How to negotiate the overdue cancellation of CGB's credit card? Can CGB negotiate to waive the penalty?

1. How to negotiate the overdue waiver of Guangfa Credit Card?

1, Guangfa Credit Car

How to negotiate the overdue cancellation of CGB's credit card? Can CGB negotiate to waive the penalty?

1. How to negotiate the overdue waiver of Guangfa Credit Card?

1, Guangfa Credit Card also needs to charge some interest if it is overdue for a long time. If you want to negotiate a waiver, you must first prove that you are not maliciously overdue, otherwise Guangfa Bank will generally not consider abstaining.

2. We can call the Credit Card Center of Guangfa Bank first to make sure that we are not maliciously overdue. At present, due to financial difficulties, I want to negotiate repayment and reduce some interest, and then provide the bank with our overdue certificate. If the bank verifies that the situation is true, it will consider reducing it as appropriate.

Second, how long will the credit card be sued if it is overdue?

1. Generally, a credit card that is overdue for more than 90 days will be sued by the bank. During these 90 days, the bank will carry out SMS collection, telephone collection and door-to-door collection. If the cardholder has always had a good attitude when collecting money and still has some money, then the bank will not sue.

Moreover, it takes a lot of time and energy to sue the bank. Generally, credit card overdue is not serious, and banks will not easily sue. If the credit card is overdue, it is recommended that you contact the bank in time to negotiate repayment, so as to avoid being sued and causing more serious consequences.

3. Does one-day overdue repayment of Guangfa Bank have an impact on credit?

1. One-day overdue repayment by Guangfa Bank will not affect credit, because Guangfa Bank provides a grace period for repayment, which is three days. Paying off the arrears within the grace period is a normal repayment, and Guangfa Bank will not judge it as overdue and upload it to the credit information system, so don't worry.

2. Moreover, if you hold the Platinum Card of Guangfa Bank, the grace period for repayment is 9 days, so you don't have to worry about the credit impact of overdue repayment for one day. However, in order to avoid overdue, it is recommended that you make repayment according to the repayment date. Of course, the specific situation shall be subject to the regulations of the issuing bank.

Don't panic if the arrears are overdue. Legal aid will be used to negotiate, and professional team lawyers will plan the repayment plan for you.