Is the negotiation success rate of the Legal Department of China Merchants Bank high?

According to some netizens' sharing, China Merchants Bank's negotiation policy is relatively strict, and it is not easy to reduce interest and liquidated damages, and it is not easy to make long-term installment repayment. The success of negotiation depends on personal situation and communication skills.

The following are some routines in the process of collection and negotiation &; How to write a negotiation instruction

1, the overdue time is short. For example, China Merchants Bank has not contacted you for more than a week and has not sent relevant letters.

2. Overdue for more than one month and less than three months, or going out, belongs to the internal collection of banks. If it exceeds the time limit, China Merchants Bank will take a legal letter (this is a formal letter, please note. But there is still room for discussion. )

There is a saying urging investment promotion. For example, you owe 50 thousand yuan (which has reached the standard of criminal cases, but there is a premise of negotiation, mainly depending on the debtor's repayment attitude, whether there is a loss of contact. ) Your card has not been stopped, and customer service (this is the collection department, which has the authority to stop or open the card to continue using it) will ask you to repay half or the latest bill (full or minimum) before continuing to use the card for you. But when he told you this, the card had stopped, and even if you have a quota, you can't use it.

4. For overdue customers, the Investment Promotion Department generally adopts the telephone department, the collection department and the card stopping department, and the collection and card stopping department is the system office department and the legal department. (Note: China Merchants Bank is too lazy to entrust a third party to help at present, and other banks don't know)

If it is overdue, you should sort out your own accounts and see the total amount owed. If you don't have to look at the penalty fee, the bank has already calculated it for you, mainly because you have to calculate how much you have to pay back every month. How is the income? Then how many problems can you bear and so on.

6. Keep the mobile phone open during the overdue period, generally the mobile phone starting with 02 1. During this period, the official telephone of China Merchants will contact you to understand the situation and make relevant records.

7. It is estimated that China Merchants Bank will contact you during the overdue period. If you contact yourself, if you have no money, you can ignore the phone number of the emergency contact person who contacted you for credit card and send a text message. The content of the short message is to contact your related business and attach the relevant landline number.

8. Keep in touch with the bank during the overdue period and repeatedly show the willingness to repay. During this period, you can repay tens or hundreds of yuan without interruption. During this period, China Merchants Bank will still contact you or send relevant letters, dunning letters, bills and legal letters (in the form of e-mail).

9. First of all, 2020 is a special time, because of the influence of the virus, it is best to negotiate. Organize and record relevant legal documents, issuance time, national rules and regulations, number of documents, etc., and explain the communication and coordination with China Merchants Bank. The steps are as follows:

9. 1 Negotiate with China Merchants Bank to clarify your repayment intention, pay attention to gentle tone, speak clearly and explain the situation.

9.2 Customer service will make corresponding records, and a staff member will contact you for the same period as before.

9.3 If the investment is damaged. I'll help you with the installment payment. Don't worry if you don't compromise Three calls a day. I called China Merchants Bank twice the next day. If the bank does not agree to the above, it is invalid.

9.4 If the above-mentioned investment invitation still waits for no man, first prepare relevant materials (explanation, copy of ID card, bill and credit report), then put them out, then call the CBRC to show your attitude and willingness to repay, and then call the People's Bank of China, where you can complain or ask the help of the central bank to clearly show your attitude. The central bank will have records, because they are all under their supervision and have a clear division of responsibilities. The CBRC's words are not so fast. The staff there will contact you within three working days after recording. Note that there will be a supervision and management center in your local area, where you apply for a credit card. This is a directly affiliated unit. Your general idea means that I will negotiate with you in the future and then help you negotiate with the bank. If you complain about the bank, there will be a letter from the central bank. If the bank negotiates with you successfully, you can print it out and sign it, and then send it with a photo. If it fails, don't submit it.

9.5 After the negotiation is successful, the China Merchants Association will call you, using the landline number or official telephone number, and then explain the installment number, amount, related expenses and filing materials to you, and orally read out the relevant information and repayment agreement. After listening to the agreement, you can prepare for the subsequent repayment, and you don't need to submit the materials mentioned above.

Finally, it is enough to repay the loan on time, and don't break the contract when making a new plan. During the repayment period, your account will always show overdue, and you can't apply for a credit card from another bank. Unless you settle your account, you can go directly to another bank if you have more money. After settlement, you can go directly to another bank with your own financial proof. Whether you can apply for a card depends on the bank you apply for.