How to apply for credit card suspension (how to apply for credit card suspension)

1. How to apply for a credit card to stop payment?

Cardholders can call the service hotline of the issuing

How to apply for credit card suspension (how to apply for credit card suspension)

1. How to apply for a credit card to stop payment?

Cardholders can call the service hotline of the issuing bank or go to any business outlet of the issuing bank to negotiate and explain the situation to the bank staff. Make it clear that you can't repay the overdue money at present, and ask the issuing bank whether it can reduce the interest, postpone the arrears or repay by installments.

After the application, provide the bank with ID card, bank card, application for deferred repayment, proof of inability to repay and other materials for review. If approved, you can negotiate with the bank. When negotiating installment payment, it is best to ensure that the cardholder knows the specific amount that can be repaid each month and the specific time to settle the arrears. Don't give in blindly and meet the requirements of the bank, otherwise there may be a second overdue situation after negotiation.

2. What is the credit card suspension process?

1. Take the initiative to negotiate with the issuing bank and apply for repayment by agreement. We need to know the total amount owed and the total amount of interest and penalty interest. After recording all the figures, calculate the number of installments that the cardholder wants, and then let the bank customer service register and wait for the bank to call back.

2. After receiving the phone call from the bank, submit the supporting documents as required by the bank. Most banks will need cardholders to provide corresponding supporting materials, so we must seize this time and submit them according to the requirements of banks. Waiting for a call from the bank. After the cardholder submits the information, the bank will review it and call back after the review. At this point, the negotiations were basically successful.

3. What are the main points of credit card suspension?

1, you can call the customer service phone on the credit card to communicate, but the customer service staff has low authority and no right to personalized installment payment, so the probability of success in communicating with them is very small. Negotiation channels are very important, and cardholders need to find the right person to negotiate repayment.

Every bank has different policies, and not all banks are interest-free. Individual banks calculate interest in the form of handling fees, such as Minsheng Bank. A handling fee of 3% to 4.5% can avoid affecting personal credit, so there is no need for interest-free, and the principal repayment can be agreed according to the situation.

3. Individualized installment payment policy is not formulated by banks, but by the state. Cardholders will apply according to their own circumstances.

Having said that, everyone knows how to apply for suspension of credit cards. Although you can apply to suspend your credit card after it is overdue, only cardholders who are unable to repay can apply. If they are able to repay, the bank will not agree.

Your headache is exactly what we are good at solving. Teach you to stop paying the account and interest in the right way, and divide it into 60 interest-free installments to avoid being sued.