What is the telephone number of CCB credit card negotiation repayment?

1. What's the phone number of CCB's credit card negotiation repayment?

The telephone number of China Construction Ban

What is the telephone number of CCB credit card negotiation repayment?

1. What's the phone number of CCB's credit card negotiation repayment?

The telephone number of China Construction Bank's credit card negotiation repayment is 95533. We can call the hotline first, and then transfer to manual service according to the voice prompt. Tell customer service that we want to negotiate installment payment.

First, in the negotiation process, it is very positive to let the bank know our repayment intention, which can help us negotiate successfully. If there is a call from the bank after the deadline, you must take the initiative to answer it, and you can negotiate with the bank many times on the phone.

Second, when we negotiate, we should tell the bank that we didn't intentionally overdue, but because of economic difficulties, so we will overdue. We should ask clearly what our current overdue situation is.

Third, when the bank agrees to negotiate, it should provide the corresponding proof in time. After the negotiation is successful, the repayment must be made on time as agreed, and it cannot be overdue again, otherwise it may enter the bank blacklist.

2. What are the overdue collection methods of CCB credit cards?

1, SMS collection. This method is mainly aimed at early overdue behavior, which is usually 7~ 15 days overdue, mainly to remind cardholders to repay on time.

2. Telephone collection. If the overdue time exceeds 30 days, the bank will repay by phone.

3, door-to-door collection. If the overdue time exceeds 90 days, the bank will arrange special collection personnel to go to the cardholder's work or residence to collect the repayment.

4. Court prosecution. This situation is mainly aimed at overdue for more than half a year, and the bank will submit an application to the court to ask the cardholder to repay.

5. Outsourcing collection. If it is overdue for more than one year, the bank will directly package the overdue funds, and then let the outsourcing collection company collect the arrears.

3. What are the consequences of overdue CCB credit cards?

1, collect late fees.

Generally speaking, the late payment fee is 5% of the overdue amount. If the cardholder's repayment amount on the last repayment date is less than the minimum repayment amount, it is necessary to pay the corresponding fee to the issuing bank.

2. Overdue interest

When a credit card is overdrawn, there is generally an interest-free repayment period of about 50 days. If the overdraft fee is not paid off within the specified time limit, the cardholder can no longer enjoy the interest-free treatment, and at the same time, he has to pay the daily interest of 5/ 10000, which is very high, and the annual interest rate can even reach 18%.

3, may have to bear the cost of litigation.

If the user overdraws for two months and fails to repay, China Construction Bank will call to remind him to repay. After a long time, the bank may also sue. Once the cardholder loses the case, he will bear the expenses incurred by the bank prosecution.

That's the end of the content of CCB credit card negotiation repayment phone that I want to talk to you today. If you need to negotiate repayment, you can refer to what I shared today.

The consequences of overdue are still very serious. If it is not handled in time, it may face litigation risks. Contact legal counsel to solve your overdue troubles.