Measures for Ping An Credit Card to Apply for Payment Stop (How to Apply for Credit Card Payment Stop)

First, Ping An Credit Card Suspension Application Method

Ping An Credit Card can dial

Measures for Ping An Credit Card to Apply for Payment Stop (How to Apply for Credit Card Payment Stop)

First, Ping An Credit Card Suspension Application Method

Ping An Credit Card can dial the hotline according to voice prompts, switch to manual service, and apply to customer service for account suspension. Explain the repayment details first, such as the repayment amount, principal, interest and other expenses, and then negotiate. Usually, it is possible to apply for stopping payment only if the credit card holder has a strong willingness to repay and does not have the ability to repay. At the same time, when applying, it is necessary to explain the reasons for overdue. After clarifying the reasons for overdue, it is necessary to provide sufficient information to prove it.

However, for Ping An Credit Card, it is very difficult to apply for stopping payment after expiration. Generally, Ping An Bank will not agree. In any case, cardholders are generally not allowed to stop paying after the expiration.

2. What are the conditions for Ping An Credit Card to stop paying interest?

1. Confirm that the credit card debt exceeds the cardholder's repayment ability, and the cardholder must have appropriate reasons, such as external factors, unemployment or illness, which lead to the inability to repay in time.

2. The cardholder is willing to repay, that is, the cardholder communicates with the bank immediately before the deadline, instead of avoiding the bank's collection. If the credit card can't be used, you can't avoid collecting money. If, after being sued by the bank, the bank can't get in touch through losing contact or changing the number, and the negotiation stops, this situation may not work. The bank will not accept it. Don't ask why. This is the most basic trust.

3. Stop and pay the bill based on the willingness to repay. Although it may not be possible to repay all the debts, it will always be paid when it is due. This practice will also be recognized by banks.

3. What if Ping An Credit Card stops paying interest and the bank disagrees?

If the bank does not agree to stop payment, it may be that the cardholder's conditions may not be met. At this time, the best way is to continue to negotiate and submit some financial difficulties to the bank, such as poverty certificate, multi-platform debt certificate, unemployment certificate, disability certificate and so on. Submitting these certificates can at least convince the bank that the cardholder wants to repay, but he really has no money to repay. As long as the situation is true, the bank will agree to stop paying.

If the bank doesn't agree, it can call the branch office of banking supervision, provide records and other evidence, and invite a third party to intervene in the negotiation.

To sum up, the above is the application method of Ping An Credit Card. Although stopping payment is the most cost-effective repayment method, in many cases, cardholders do not meet the negotiation conditions for stopping payment, and they can also choose the method of installment or minimum repayment.

If there are still unclear or new situations, it is suggested that you call directly for free consultation, so as to understand the communication cases and make detailed and targeted answers for you, so as to avoid incorrect answers due to incomplete information and poor communication.