How to negotiate with the bank to solve the overdue of Everbright Credit Card?

After the credit card of China Everbright Bank is overdue, if your financial capacity is limited, you can negotiate repayment with China Everbright Bank:

1. If the cardholder can't repay the loan on time due to unemployment or illness, it's best for the cardholder to communicate with China Everbright Bank on his own initiative before the repayment period, state his financial situation, declare that he is not in bad faith, and apply for deferred repayment and interest concessions.

2. If Everbright Bank recognizes your positive performance and previous good credit record, it will often agree to postpone repayment. At this time, the cardholder can take the initiative to negotiate a mutually acceptable repayment plan with China Everbright Bank, such as extension period, interest concessions, monthly repayment amount, etc.

3. If the repayment is overdue unintentionally, repay it as soon as possible after discovery, preferably in full. Then call the bank credit card center and declare the non-malicious arrears.

4. Credit card repayment information is generally kept for 24 months. After the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the debt, but to insist on using the card for more than two years, during which time, maintain a good credit, and clear the bad records from the credit information system by rolling records.

With the development of market economy, enterprises, companies or individuals have a growing demand for loans, but there are still many unclear places for us ordinary people. The following summarizes some basic financial knowledge of loans for everyone to learn from each other.

Loans seem to be a very simple matter, that is, borrowing money from others and then paying back the money with interest. In fact, loan is a very professional technical job. If you don't know some financial knowledge, it's easy to get a loan that is not what you want. In order to help you better learn and understand the knowledge related to loans, this paper summarizes ten basic knowledge of loans.

1. What are the common loan forms, and what are their characteristics and advantages?

Loans are divided into "credit loans" and "mortgage loans".

2. What's the difference between a "lender" and a "borrower"?

In the process of lending, most people don't know what is a "lender" and what is a "borrower".

Lender: refers to individuals or financial institutions that use credit funds or their own funds to issue loans to borrowers in lending activities, generally referring to chain commercial banks and central banks.

Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities.

Simply put, if you borrow money from a bank, you are the borrower and the bank is the lender.