China Bank's credit card has been overdue for two years. Has it been successfully reduced through negotiation?

Yes, China Bank's credit card is overdue for two years, and there have been successful cases of negotiation and reduction.

First, through active communication and negotiation with the Credit Card Department of Bank of China, we can get a certain fee reduction. You can ask the bank for relief and explain your financial difficulties and the reasons for your relief.

Second, the key to the success of the rescue is to provide banks with detailed financial conditions and feasible repayment plans. You can submit your income certificate, assets certificate and detailed financial analysis to the bank to prove that you really can't repay in full and on time. At the same time, put forward a reasonable installment repayment plan to show your willingness and ability to repay.

Third, the longer the credit card is overdue, the smaller the chance of getting exemption. Therefore, it is very important to get in touch with the bank as soon as possible and take effective repayment measures.

To sum up, through active communication and detailed explanation of financial situation, you have the opportunity to successfully negotiate to reduce the overdue fee of China Bank's credit card.

Extended data:

Banks usually take certain recovery measures against overdue credit card holders, such as recovering debts through legal means. However, banks are also aware that some cardholders may not be able to repay on time due to temporary financial difficulties, so they will consider reducing some fees under certain conditions.

It should be noted that the outcome of each case will be different according to the specific circumstances. Not all requests for relief will be accepted, and banks have the right to make decisions according to the specific circumstances of each case. Therefore, when negotiating for relief, you need to provide detailed information and reasonably explain your financial situation.

The above is the answer about the possibility of successful reduction of credit card of China Bank after two years overdue. I hope it helps you.