How to negotiate with China Merchants Bank for lightning loan?

China merchants lightning loan10.5 million yuan due. Can we negotiate the second installment?

If China Merchants Bank wants to negotiate that the second phase of the lightning loan is overdue, the user directly contacts the customer service of China Merchants Bank's lightning loan, clearly indicating that he does not have enough repayment ability for the time being, indicating that it is not intentional overdue, and it is best to provide some proof materials;

And expressed willingness to actively repay, then you can try to apply for extending the repayment period and the second installment. In this regard, China Merchants Bank's lightning loan should be considered appropriate. If the negotiation fails once, the user can also try to adjust the repayment plan and communicate and discuss it many times. If the negotiation fails, we can only find another way. For example, we can try to borrow money from friends and relatives to repay it.

I don't want to talk about the lightning loan of China Merchants Bank. Customers can take the initiative to contact the bank to explain their situation. In the process of negotiation, they can give the bank a specific repayment plan, such as delaying repayment or how many installments, so that the bank can see their sincerity. Of course, the success of the negotiation depends on the will of the bank. If the bank does not agree with the customer's negotiation requirements, in order to avoid overdue, the customer still has to find ways to raise funds and repay the corresponding loan before the repayment date expires.

China Merchants Bank can't afford a lightning loan of 250,000 yuan.

In the case that the lightning loan of China Merchants Bank is still not available, it is recommended that the borrower take the initiative to contact the customer service of China Merchants Bank to negotiate repayment. It is suggested that you must prepare a specific repayment plan when negotiating with customer service, such as applying for deferred repayment and installment repayment. Usually, if China Merchants Bank does not agree to negotiate repayment, users are advised to contact the court directly. For those who are really unable to repay, they can negotiate installment repayment.

1. How many days is the grace period for China Merchants Bank's lightning loan?

What I want to tell you here is that the grace period service is generally only for credit cards, and bank loans are basically not supported.

After consulting the online customer service of China Merchants Bank, the customer service indicated that the loan had no grace period and could not be extended. If the deduction on the repayment date is unsuccessful, overdue records and compound interest will be generated. The borrower shall deposit it before noon 12 on the deduction date at the latest; If you deposit after noon 12, you should immediately take the initiative to make emergency repayment through mobile banking or online banking.

If you are not at ease, you can also call China Merchants Bank's national service hotline 95555 and contact customer service for confirmation.

Second, what should I do if the lightning loan of China Merchants Bank still cannot be done?

If the repayment is unsuccessful on the last repayment date, China Merchants Bank will lightning loans overdue, which will first affect personal credit, and will also generate penalty interest and liquidated damages, and will face bank collection. The longer the overdue period, the greater the amount, and may be sued by the bank.

Therefore, borrowers who can't get a loan can try to borrow money from relatives and friends. If they can't borrow money, they can try to negotiate repayment with the bank. When they have economic problems, they need to provide relevant materials to prove that they have no money to repay, and they need the bank's approval to sign the contract. But it is said that many banks will not negotiate easily, so everyone must come up with a reasonable reason to express sympathy.

In short, there is no grace period for the lightning loan of China Merchants Bank, and the consequences of not paying it back at maturity are still very serious. So, don't be blind when you apply. You must evaluate your repayment ability before making a decision.

How to negotiate with the bank to solve the overdue credit card of China Merchants Bank?

China Merchants Bank shall negotiate with the bank as soon as possible after the deadline to reach an opinion on stopping payment. The advantages of stopping interest and credibility are: no recovery, no delay, no increase in penalty interest rate, no prosecution, and a maximum of 60 installments can reduce the repayment pressure. But if the consequences of the second overdue are serious, the bank will ask you to pay and repay the previous interest. It will take five years after the repayment is completed to resume credit reporting.

When negotiating with China Merchants Bank, we should pay attention to the following contents:

1, overdue time. First of all, after the expiration of China Merchants Credit Card, if it can cover the liabilities with assets or running water, it should be repaid as soon as possible or settled as soon as possible within one month after the expiration, so as not to affect the credit evaluation; Second, if the debt is large and cannot be repaid in a short time, try to negotiate to repay it within 1-3 months, because the tax rate of China Merchants Bank is relatively high, and the interest on most overdue funds cannot be reduced.

2. Priorities for negotiations. Within one month after the credit card overdraft of China Merchants Bank, there are regular SMS reminders for repayment, which is not frequent. Under normal circumstances, after the credit card expires, you call customer service for the first time to register at Yuqian Banquet, and you don't need to negotiate repayment. Formal negotiation begins after the first settlement date after the credit card expires.

3. Material preparation. As you decide to give up credit reporting and gradually settle your debts, you should pay attention to collecting and sorting out relevant data. If the overdue reason is illness, unemployment, family changes or business failure, it is best to hold the corresponding certificate. When you decide to repay the debt gradually, the bank should examine your repayment ability, that is, income proof or source, and it is best to accurately calculate the monthly repayment amount.

4. Communication skills. In fact, the communication skills on the network platform are relative. Because the situation is different from others, the focus is also on communication. For example, if you are in debt, this is also a breakthrough, or if you have a good mentality and a strong willingness to repay. You have received phone calls from patients many times, so let the bank know your current situation as much as possible.

In addition, the main feature of China Merchants Bank's personalized interest rate is that it cannot reduce the liquidation loss and interest generated before the successful negotiation. Although China Merchants Bank has a very strict interest rate reduction policy, this does not mean that it cannot cut interest rates 100%.

If you deliver unpacked fruits for a long time overdue, you will incur a lot of liquidated damages and interest. I suggest you try to negotiate with the bank several times, and maybe there will be better negotiation results. By then, China Merchants Bank will basically not be able to do 60 issues. If the amount you owe is relatively large, such as more than 50 thousand, the final negotiation result will be about 48 periods at the longest.

Finally, China Merchants Bank has low requirements for the information provided. There are also many banks that must require cardholders to provide proof of difficulty or poverty before applying for payment. China Merchants Bank generally only needs to submit a credit report or proof of deposit and withdrawal.

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The lightning loan of China Merchants Bank is really unable to repay now. Can I negotiate the repayment method with China Merchants Bank?

If the loan handled by China Merchants Bank is unable to repay now, you can negotiate with the bank to repay, just explain your actual situation and then ask for an extension of repayment.

Credit card repayment (including e-installment) has a grace period of 3 days (no need to apply), and the delay in paying off the bill or the minimum repayment amount within 3 days from the repayment date will not affect your credit history. For example, the final repayment date is the 5th, and it is normal to delay repayment for 3 days until 24: 00 pm on the 8th of that month.

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1. China Merchants Bank's credit card will be transferred to other banks for repayment. It is suggested that it be 1-2 days in advance, and the time limit for payment should be noted.

2. Full repayment will not generate expenses, and the minimum repayment amount will generate interest expenses.

3. It is recommended to directly call the customer service hotline of the credit card center for detailed consultation and repayment negotiation.

First, negotiate repayment.

The impact of the epidemic on individuals is obvious to all. Factories closed down, workers lost their jobs, their income fell, their debts were overdue and they were collected. Although it is difficult to negotiate repayment, in fact, such examples are not uncommon. Taking bank credit cards as an example, there are usually two results in successful negotiation repayment: one is deferred repayment, that is, the unpaid amount of the current bill is postponed to the next bill; The other is to stop paying interest, that is, to stop the overdue amount and re-stage it, with the number of stages ranging from 6 to 60. At present, major commercial banks, such as China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, Bank of Communications, Shanghai Pudong Development Bank and Industrial Bank, have agreed repayment policies.

Second, overdue negotiation repayment skills

1. Negotiate with lending institutions.

Take the initiative to find the bank to provide relevant certification materials to prove that you are willing to repay, but for some reasons, you really don't have the ability to repay at present. Poverty certificate, hospitalization certificate and unemployment certificate are all acceptable.

2. Seek help from a third party.

In the case of sincere attitude, full information, truth and effectiveness, banks or other platforms still refuse to negotiate repayment, or banks kick the ball and refuse to give substantive solutions. Then users can complain to the local banking regulatory bureau, or call the banking supervision telephone for help (12378). According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement.