Credit card is a small tool that we will use in our daily life. Reasonable use of credit card can help us realize capital turnover. So what if we owe money because of our own operation? Can I apply for a credit card to stop paying and not pay back the money temporarily? How to operate?

what is the application method for credit card suspension?

The application method of credit card suspension is to contact the staff of the bank first, explain their own situation and express their willingness to repay, and then the staff will decide whether to let us handle this operation according to our attitude and credit. If it is passed, the bank will sign a personalized installment repayment agreement with us, and we can repay according to the agreement rules, otherwise it will be collected or even taken to court.

under normal circumstances, after applying for credit card suspension, we won't receive any more dunning calls from banks or third parties, and then we just need to make repayment according to the agreement. However, if the application fails, we can only repay the loan by the largest installment, and pay it back on time and on schedule, so that we won't receive the complaint from the bank.

Generally speaking, credit card suspension is a helpless move to pay off debts, so it is still tainted with our later credit records. Therefore, it is best to maintain reasonable consumption and rational consumption in daily life, so as not to be overdue.