If Meng Xin enjoys deferred repayment, what should Nanjing Bank do?

1. Continue to contact the bank to negotiate a new repayment plan. Be sure to take the initiative to contact the bank, explain the reasons for overdue again, and show that you are still willing to repay. If the repayment is delayed due to force majeure, such as natural disasters, diseases and other reasons, it can usually be solved, and the bank will not take punitive measures. You just need to pay back on time and continue to use the card, and then overwrite the original negative record with the new normal repayment record. After continuous use for 24 months, a new credit record will be generated.

2. If the second overdue time is not long, you can also negotiate with the bank Commissioner who contacted you at that time, explain the reasons for the delay for a few days, and hope to continue repayment according to the agreed plan. If the first negotiation is unsuccessful, you can try again several times. If you need a lawyer to intervene, you can consult a lawyer specializing in creditor's rights and debts in Hualv.com.