Is it easy for ICBC to negotiate repayment?

1, ICBC, as a state-owned bank, has very strict requirements for credit card risk control.

2. If the cardholder cannot repay the credit card bill due to some unexpected circumstances and wants to negotiate personalized installment service with ICBC, the following conditions need to be met.

3. First of all, the cardholder's ICBC credit card demand has been overdue for more than 3 months, and the credit card bill has seriously exceeded the cardholder's repayment ability. Secondly, cardholders need to have a good willingness to repay and a stable source of income. In this case, the cardholder can call ICBC to negotiate repayment.

1, when negotiating repayment, cardholders need to pay attention to some negotiation skills. The cardholder should propose a negotiated amount acceptable to both parties, so that the bank will have more room for retrogression and adjustment. Cardholders should be prepared to prove that they have difficulties in repayment at present, but they still have certain repayment ability, and then ask ICBC for interest reduction. If ICBC refuses the cardholder's request to negotiate repayment, the cardholder can directly contact the CBRC to appeal. However, this process usually takes a long time. In the meantime, ICBC's collection staff will continue to collect money.

2. Put forward the ideal negotiation amount, so there will be more room for adjustment. Prepare materials to prove that it is difficult to repay, and move out of PBOC management measures to reduce interest rates. In principle, users who are willing to repay but unable to repay can negotiate repayment and make a new repayment plan. If ICBC refuses, it can lodge a complaint through the China Banking and Insurance Regulatory Commission. Note that this process is relatively long, and there will be repeated contact, communication and confirmation by ICBC staff. Be sure to stick to the bottom line of your negotiation amount and communicate patiently.

3. On June 2, 2020165438+1October 2/KLOC-0, the General Office of the China Banking Regulatory Commission issued the Circular on Typical Problems of Some Banking Insurance Lending Institutions Increasing the Comprehensive Financing Cost of Small and Micro Enterprises in Violation of Regulations, informing some banking insurance lending institutions that there are some problems such as fee reduction, compulsory bundling, charging high service fees and agency fees. Some branches of ICBC illegally collect "two prohibitions and two limits" fees for small and micro enterprises such as loan commitment fees and investment and financing consulting fees.