How to negotiate installment repayment for overdue credit cards of Industrial Bank?

After the Industrial Bank's credit card is overdue, customers who want to negotiate installment repayment should take the initiative to call the hotline 9556 1, press the "0" key to switch to manual service and apply to the customer service staff. Pay attention to make clear your personal situation first, and explain that you didn't pay it back on purpose, but that you were unable to repay it. At the same time, remember to express your willingness to repay, and finally apply to extend the repayment period and repay the arrears in installments.

Customers can also provide certain information to support negotiations, such as unemployment certificate, proof of termination of labor contract, etc. Industrial Bank will consider it as appropriate.

How to negotiate installment repayment for overdue credit cards of Industrial Bank?

If the bill is overdue, the user needs to negotiate with the bank for installment repayment.

The user directly dials the customer service hotline of Industrial Bank, and then turns to manual service, indicating that the repayment pressure is slightly higher, and then negotiates with the customer service whether the installment repayment business can be handled.

Under normal circumstances, banks will not allow customers to repay in installments. If users do have difficulties in repayment, they can also negotiate through legal channels, which can be divided into 60 installments at the longest.

Suggestions for action:

1. After the credit card is overdue, you must take the initiative to contact the bank, explain the reasons for your overdue, clarify the current economic situation, and then negotiate with the bank to stop installment payment and strive for interest-free opportunities. Stop collection, avoid being sued, and more importantly, stop the crazy growth of penalty interest, sign a personalized repayment agreement, and repay in 60 installments for up to 5 years.

2. If you don't know how to negotiate with the bank, you can find a professional team to deal with the overdue credit card. China travel. There are professional lawyers who can consult this question. Click below to enter the consultation.