Credit card overdue for 2 years, can I communicate with the bank to negotiate repayment? What should I pay attention to?

In fact, due to the epidemic, many industries have undergone tremendous changes, and many people's unemployment income has dropped sharply, making it impossible for credit cards to repay in time. At this time, you don't have to be afraid!

Step 1: First, sort out the total debt on your current card, so as to know what the total debt on your card is. Be aware that. If there are loans and temporary lines, they should also be included, but only the principal, not the interest, because the interest can be negotiated with the bank, so it does not need to be included!

Step 2 If you get a call from the bank, you must emphasize to him that because of the epidemic, the income has dropped sharply, or Shi Yan has been unable to repay in time. Can you negotiate with the bank, pay by installment, reduce interest and so on? Whenever the bank calls, you always talk to him like this. You must be kind and sincere, emphasizing that you are willing to pay back, but your ability is limited and you can only do your best!

Step 3: If you receive a collection call, you must insist on communicating only with the direct contact of the bank and anyone else. I won't communicate with him. If he threatens you or harasses you or your family by sending WeChat, you can choose to keep the evidence and complain directly or call the police!

The next video will explain some specific skills. You can click to watch any questions and leave a message!

You have three questions:

1. Do you collect credit at meetings? It's already on the credit investigation, even if you owe a penny, it will be on the credit investigation in more than three months.

Second, it's two years overdue, so why negotiate? If you don't collect money or sue you, it means that you don't owe much, at least not more than 50 thousand yuan. Note, if it does not exceed 50,000, it may not be prosecuted.

If you have the ability to repay now, you can call the bank and explain your willingness to repay, mainly asking how much you owe and how much you should pay back. If you had owed five dollars, would you agree to let you pay back ten thousand dollars now? If the amount owed is not much, we must discuss it, otherwise we will negotiate until it is acceptable to both sides.

Fourth, what should I pay attention to?

Answer: If you want to continue to deal with banks, pay off your debts, wait five years and get rid of the credit stain. Then the bank can deal with you, because bad credit is lifelong, and it will be five years after you pay it off.

If you don't want to have an intersection with the bank, you can leave the bank, so leave it alone. However, you should never think about dealing with banks again, such as mortgage and car loan.

Suggestion: Pay off debts, resume credit investigation and establish a good faith relationship with banks. Credit information is the second identity card in a person's life, so it should be properly kept. Integrity travels all over the world. Without integrity, it is difficult to move.

Hello, the bank hasn't contacted you for so long? Or have you lost contact with the bank? If you want to pay off your debts now, you can contact the bank to negotiate. Don't show that you owe money maliciously. Explain that the current economic income is acceptable, and the monthly repayment amount. See if I can reach an agreement with the bank and negotiate with you. If it is overdue, you will definitely report it. Moreover, after all your debts are paid off, your records will not be displayed for five years.

If the credit card is overdue for two years, you will definitely consult. If it is overdue for two years, you can negotiate with the bank now, which means you can negotiate the repayment principal. If the bank doesn't agree with you and you continue to do your job, the bank will definitely take the initiative to consult with you. If the funds are difficult now, we can also negotiate installment repayment. Just sign a repayment contract with the bank.

Most people don't want to be overdue, but when they are unable to move, even when their lives are difficult, what can they use to repay them? So many people pay back the money after several years overdue. As long as you are willing to pay back, the bank is willing, but don't pay back hundreds of thousands of dollars every month, so you always have to pay back interest and late fees. If you have the ability, you'd better negotiate and deal with it once and for all.

Hello, the following answers are provided by Tizhacha.

There are two types of overdue credit information: one is overdue for no more than 90 days, generally overdue; The first gear is more than 90 days, which is seriously overdue.

Generally, banks deal with overdue credit cards according to the credit limit. If the amount of arrears is relatively large, the bank will definitely take the form of collection to recover the arrears, and it does not rule out enforcement through legal channels, and the borrower may have to bear certain criminal responsibilities. If the amount owed is not large or even exceeds the collection cost, then the bank will not collect it, so it will be treated as a bad debt. Every bank has a bad debt rate, which is also allowed by laws and regulations. They will give you some customer service reminders every other day, but the credit report must have been reported, which will lead to stains and the credit card will be frozen.

If the credit card is overdue for more than two years and the debtor has the ability to repay, the bank certainly welcomes the debtor to actively negotiate repayment. After all, the less bad debts banks have, the better. When the debt is paid off, the debtor's credit record will return to normal after five years.

In the process of negotiation with the bank, because the overdue time is too long, the interest late payment fee is not a small amount. At this time, we will negotiate with the bank to repay only the principal, because the bank can recover the principal, solve the problem of bad debts and achieve a win-win situation. However, banks have the right to recover interest and late fees, so they should pay attention to the methods when negotiating.

It is suggested to check the personal credit report after the deadline, and optimize the credit accurately in combination with the report, which can help you recover your personal credit as soon as possible.

We can negotiate, and the bank hopes you can pay back the money. First of all, call customer service to negotiate, give full play to your chat talent, and make it clear that she is moved. For example, if she doesn't pay back when she is ill, apply for some penalty interest and interest reduction, and then apply for installment payment.

Your overdue must have been reported by the credit reporting agency. Expired records will be overwritten by later records over time, usually five years later. After five years, your overdue will not be shown on the report. So don't cancel the card, keep using it, and your record will be gone after five years.

Hello, I'm glad to accept the invitation.

First of all, you are lucky. You are two years overdue. You have to pay a lot of bills these two years.

Since you want to communicate with the bank, it proves that you don't want to delay any more, or you have recovered and have money, so you can understand.

What needs attention is actually very simple. Just bring money to negotiate, because the bank has been bad to you in the past two years, and the liquidated damages should have accumulated a lot. It is almost impossible for you to negotiate in person now.

But you might as well try. The main thing is that you have to find the right leader, otherwise it won't help. This is very difficult. To put it simply, you have the right to find the leader directly, and the normal customer service will only report and verify the information with you.

Therefore, the precautions are to prepare the money and actively cooperate. Good luck.

Yes, as long as you don't receive a court summons, you can negotiate repayment and stop installment payment.

It mainly depends on which bank's credit card you are, which is directly related to the reduction or exemption when you do installment. It has been overdue for two years, and the liquidated damages and interest have doubled. Liquidated damages and interest are already very big things.

Then, it depends on your principal and how the collection is going. These have some potential information.

What you should pay attention to is your attitude. When the bank calls you, pay attention to recording evidence.

Hello, I'm glad to answer your question.

You can negotiate repayment with the bank.

What you should pay attention to is that you should never let the bank think that you are avoiding debt. You should tell them that you are overdue only because you were unable to pay back at that time. Since you have the ability to repay, you can repay immediately and let the bank handle it at its discretion. There is a great possibility that the repayment can be negotiated successfully.