Is it true that Lan Jia stopped paying by legal SMS?

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the following four points are met: the cardholder has the willingness to repay. Cardholders have the ability to repay in installments. The holder of the imitation card has expired and cannot negotiate at one time. .

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Stop interest means that the cardholder can't repay the loan or credit card on time for some special reasons. After coordination with the bank, the bank temporarily stops calculating the interest of each period and keeps the balance of arrears and interest code for later processing. However, there is also a time limit for stopping payment, and repayment is still required. Even if Shenchi Bank has stopped paying, the overdue payment has been recorded in the credit report, so it must be repaid on time after the application, otherwise it will face the risk of more serious collection or even prosecution.

1. Unable to repay: the amount owed is too large to repay, which needs to be proved by combining the property status and salary of the cardholder. Therefore, when applying, I need to attach my salary table and liabilities, and the materials provided must be true;

2. Repayment intention: Cardholders need to have the intention to repay potato dust and a correct repayment attitude, and cannot have negative behaviors to avoid repayment, such as refusing to answer the bank phone, moving, changing the phone number, etc.

3. Give appropriate reasons: for example, the salary is too low or the assets are not enough to repay in full and on time, or some unexpected situations. If it is true, you can explain the situation to the bank and show your intention to repay.