Cardholders can contact the legal affairs department of the local credit card center of the bank or call the customer service center. Customer service will give us a work order in the background after receiving the order, and the corresponding department will get in touch with the cardholder after receiving the order.
You can try to write an exemption application to the bank, stating that due to special circumstances such as unemployment, illness or other matters, economic difficulties cannot be improved in the short term, and you can apply for exemption from late fees and interest, but you need corresponding evidence to prove the above facts.
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According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include:
(a) the balance, structure and currency of the arrears;
(2) the repayment period, method, currency, date and repayment amount of each installment;
(three) whether to charge annual fees, interest and other fees during the repayment period;
(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;
(five) the rights and obligations of both parties and the liability for breach of contract;
(6) Other matters related to repayment.
If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.
Measures for the supervision and administration of credit card business of commercial banks Article 92 Commercial banks shall implement classified management of credit card risk assets, and the classification criteria are as follows:
(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance.
(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive).
(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive).
(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive).
(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.
On the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data measurement method have been approved by the CBRC and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards, continuously pay attention to and regularly compare important risk management indicators related to reserve provision and risk asset measurement, and take corresponding risk control measures.