Can I negotiate with the bank if the credit card is still unpaid?

We can negotiate. Need to pay attention to the following points:

You must have contacted the issuing bank on your own initiative, indicating that your arrears were not intentional and you can't pay them back immediately.

You can apply for deferred repayment. Generally speaking, as long as you take the initiative to contact the bank and tell many parties why it hasn't been paid, the bank will discuss with you a repayment method acceptable to both parties.

Be sincere, usually you will pay the corresponding interest when applying for romance, or pay an acceptable amount every month.

In addition, you can also apply for installment and minimum repayment:

Installment: When you don't have that much money to pay back, you can choose the installment of the bill, which can solve your current financial shortage. Banks are still willing to accept the credit card installment business.

Minimum repayment amount: If you can repay the minimum repayment amount, your credit history will not be affected. Usually the minimum repayment amount is 10% of the bill amount. If your monthly consumption amount is 1 ,000 yuan, you only need to pay back 1 ,000 yuan. Although there is no late fee for the minimum repayment amount, you should charge your interest accordingly, and this interest is quite large, which is calculated according to five ten thousandths of a day.

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