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If the credit card is overdue and the repayment is negotiated, the bank's requirements will be explained. How should I write it?
When a credit card fails to negotiate repayment, the bank will generally provide a template for your reference. You need to fill in your personal information and write down your financial situation, which will be used as an explanation clause in your negotiation repayment treaty.

You can also consult the staff of the relevant banks, because each bank has different workflow or information when negotiating repayment. Anyway, as far as the current market is concerned, mainstream credit card companies will have relevant departments and professionals. If you don't understand anything, you can elaborate and ask how to write the repayment form.

Under normal circumstances, you can write some basic information about your own economy and submit more information, because bank staff are sometimes not so easy to contact. You need to make some basic preparations in advance. You can sort out your work information to prove your financial situation. This makes it easier for banks to determine your income repayment ability, which means that the specific reason for your overdue is not your inability to repay.

If the bank does not provide a template, you can summarize your current income in words, show your earning ability, provide you with some work information, and write down how you want to repay the loan for negotiation. Because your credit card is overdue at this time, you should also consider your ability when negotiating. If it is overdue later, you will lose your credibility in this bank and you are likely to bear legal responsibility.

In fact, having said so much, I still want to advise you not to deliberately overdue the repayment, because the impact is really great. First of all, overdue will generate interest, and the longer the delay, the more money will be paid back. If you maliciously overdraw your credit card, if the amount is relatively large, you will be investigated by law, and it will also have a certain impact on your next generation, so please don't intentionally overdraw or overdue your credit card for your next generation.