The credit card has expired. Some people say that they can help negotiate with the bank to stop interest payment and charge by installments. Is it credible?

First of all, it is feasible to negotiate with the bank.

Credit cards are overdue, so it is impossible to leave them unattended. If it is overdue, it will be reported by the credit reporting agency, and the bad record will bring adverse effects to itself. So try to deal with it as soon as possible.

In addition to paying back the money immediately, you don't need to contact the bank on the spot, and you don't need to contact the bank to pay back the money first.

But if you can do this, if you have the ability, do you still need to let the credit card expire?

It is because there is no money at hand that the credit card is overdue. Therefore, actively contacting the bank is the best and most direct choice.

If you don't take the initiative to contact the bank, there is so much banking business that the staff can't find out who is overdue for a while. There is no time to actively contact customers. And I won't offer you a solution.

Therefore, it is a wise choice to contact the bank actively, find the account manager in charge of your account, explain the reasons for the overdue credit card to others, and let the bank come up with a solution.

Second, you don't need any help.

As for using other people's help to contact, I don't think it is necessary. First, because the card is your own, even if you agree to let someone else contact you, does the bank know this person? The bank only recognizes cardholders. Does the bank know who that person is?

Second, because this matter is between you and the bank, it is obviously unreliable for you to let others talk to the bank. All I can do is let others stand up,

Moreover, there is no need to enter the bank through the back door, and there are only a few ways to solve the problem. It is impossible for banks to come up with a better solution because of the appearance of others.

Third, do you have to ask for money because others won't help you for nothing? If you have the money, wouldn't it be nice to pay back the credit card?

It turned out that the credit card expired because there was no money. Why give money to others?

Third, overdue credit cards are the best policy, and it is best not to overdue.

The danger of overdue credit cards is very great. Be careful when using credit cards. Plan ahead. Just before the credit card expires, we have to do something quickly.

You can tell the bank in advance that you don't have any money, so it's probably not enough. Let the bank handle it for you in advance. Instead of waiting until it expires.