The first application to the bank for suspension of payment will not be passed, and it will be applied again at regular intervals. After several failures, you will complain about the unreasonable behavior of the bank to the banking regulatory bureau where the bank's credit card headquarters is located and ask it to intervene and coordinate.
The first time you complain, the agency will let you negotiate with the bank yourself. You can list the unreasonable demands of the bank, and make clear your financial difficulties, repayment willingness and plan, such as how many installments you want to pay back and how much you want to pay back every month.
You can make a second complaint within a week. What you need to do is to record the specific situation, inform the Banking Insurance Regulatory Bureau by phone and email, clearly write down your difficulties, repayment willingness and plan, and the irrationality of the bank, and then inform the Banking Insurance Regulatory Bureau. It is best to express the collected relevant evidence materials, which will be accepted and intervened by the Banking Insurance Regulatory Bureau, and the bank will take the initiative to contact you for consultation.
But I also want to remind you, don't use this trick unless you have to, because stopping paying interest will have the same impact on personal credit information as overdue, which will have a series of bad consequences. After you stop paying the bill, you will be a faithless customer in the eyes of the bank, and you will be refused credit cards, cash withdrawals from credit cards, bank loans, etc. If this affects buying a house and a car, it will not be worth the loss.
Stop-interest deduction mainly means that the cardholder is unable to pay off the credit card debt, but the cardholder is willing to repay it, so he negotiates with the bank to sign a personalized repayment agreement, which can be divided into five years at the longest, and repays part of the principal and handling fee every month as agreed, without generating interest during the period.
No interest is generated, and then it can be repaid in several years. Everyone will be willing! But the bank will not easily allow it to stop paying bills, because its interests will be affected, everyone will stop paying bills, and the bank's income will definitely drop sharply. How could it agree? So the focus of this article is how to get the bank to agree to let you stop paying.
First, when you can't repay your credit card, the bank will call you or send you a text message, followed by a third-party company. When the bank calls, you must not refuse to answer or lose contact. You must actively communicate and repeatedly tell each other that you are willing to repay, but you are really unable to repay at present. Better keep the evidence.
The same is true for the collection of third-party companies. The third-party collection company is likely to threaten you with language, so it is best to keep the evidence.