The suspension of interest in credit cards mainly means that the cardholder cannot repay the credit card debt on the final repayment date due to special circumstances, but the cardholder is willing to repay and can negotiate with the bank to sign a personalized repayment agreement. With a loan agreement, the repayment can be divided into up to 5 years. Although no interest will accrue during this period, a portion of the principal and handling fees need to be repaid every month as stipulated in the agreement.

1. Bank account pending interest suspension means that the borrower fails to repay the loan principal and interest on time for some reason, and the bank suspends the accounting processing of interest calculation on schedule, and the outstanding loan balance and interest are left lying on the account (i.e., pending account) for later processing. . Suspension of interest means that the cardholder cannot repay the credit card debt or loan as scheduled due to special circumstances. After negotiating with the bank, the bank will suspend the interest calculation on schedule and leave the debt for later processing. In layman's terms, suspended debt means that the money is owed first, but the debt will not be cleared and will be paid back later. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay

2. After the borrower obtained the loan, he failed to repay the loan on the agreed repayment date. Due to internal or external factors or reasons of the bank, the loan and interest will not and cannot be repaid in the short term. For management or processing needs, the borrower will not be able to repay the loan in the short term. The loan balance will no longer be accrued interest, but the loan principal balance and previously accrued interest that has not yet been repaid will still be recorded in the name of the original borrower.

3. If the bank does not agree with the suspension of interest payments, the handling method is as follows:

1. First, contact the customer service of the card-issuing bank to inquire about the policy. Generally speaking, someone from the bank’s collection department will contact you. Remember to record relevant calls for future reference.

2. Then take "mandatory action" immediately, that is, the amount obtained by dividing the total amount owed by 60 periods will be directly deposited into the credit card account in which the debt is owed. For example, the total credit card debt owed is 200,000 yuan, then each deposit is only 3,333.33 yuan. Keep depositing every month without interruption. This is to prove that you are not a subjective "malicious debtor" and that you are willing to repay, but you do have to do so because you are unable to repay.

3. Complain to the Consumer Rights Protection Division of the local Banking Regulatory Bureau about the card-issuing bank’s violation of Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" and make your demands (interest suspension and installment repayment) truthful. Appeal. Generally speaking, banks will agree to suspend accounts and suspend interest rates, but this does not mean that this behavior is worth advocating. Because this behavior will have a bad impact. Because the interest rate suspension will be reported on the credit report, the lending institution can see it. After seeing the credit report, the bank will find that you have a record of suspended interest payments and will determine that your repayment ability is insufficient and will not grant a loan.