How to apply for credit card suspension?

1. How to apply for credit card cancellation?

When the consumption amount is too high, but you take the initiative to repay and need to apply for an extension of repayment time.

1. Although credit cards provide convenience for people's consumption and payment, when the consumption amount is too high and exceeds their repayment ability, individuals can negotiate with the bank to apply for suspension of interest calculation and loss reporting.

2. When it is confirmed that the cardholder is unable to repay in one lump sum, he can negotiate with the bank for personalized installment repayment, and the longest repayment period shall not exceed 5 years.

Second, what will be the impact of the suspension of credit card use?

1. If the suspension of installment payment by credit card is a malicious loans overdue, it may affect the credit investigation; If it is not malicious, it may not affect the credit information.

2. You can declare that you are not malicious and apply for deferred repayment and interest concessions. In view of the cardholder's positive performance and previous good credit record, banks often agree to postpone repayment, and negotiate with the cardholder the repayment plan, extension period, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

3. If you are usually negligent in repayment, you must repay as soon as possible, preferably in full, after you find that it is overdue. Then call the bank's credit card center to declare that there is no malice. If the past record is good and the overdue time is short, if the repayment is found to be good after the overdue, it may not be recorded in the bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notice and collection information to avoid overdue.

4. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.

Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years, during which time, to maintain a good credit, so that the bad records can be cleared from the credit information system through rolling records.

3. How to apply for suspension of payment?

1. Call the official customer service phone of the bank to make an appointment for repayment;

2. Make an appointment at a bank outlet and apply for suspension of payment;

3. Negotiate at bank outlets to stop paying interest, emphasizing their willingness to repay and the current predicament;

4. After negotiation, a new repayment agreement can be signed, and the bank can stop the interest and hang the account;

5. If negotiation fails, apply through legal channels.