Is it credible to reduce notification messages?

Legal analysis: If the overdue credit card is not a special case and the overdue time is less than 3 months, it is basically impossible to reduce it. Even if there is a waiver, it is only the bank and the cardholder who negotiate, not the third party. If you are not sure about the authenticity of the relief, the best way is to call the service hotline of the issuing bank and consult the customer service directly. Remember to record the call all the time. If it is true, don't transfer the money directly to the bank when repaying, and repay it directly to the overdue credit card. Although overdue credit cards may be frozen, the repayment channel will not be closed. Of course, it does not rule out that the bank can let a third party inform the cardholder that it can be reduced or exempted.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.