Ping An Pratt & Whitney's Method of Handling Suspended Accounts

Ping An Pratt & Whitney can call customer service, transfer to manual service according to voice prompts, and apply to customer service to stop payment. First of all, you need to know the details of your repayment, such as repayment amount, principal, interest and other expenses, and then negotiate. However, it is generally difficult for Ping An Pratt & Whitney to agree, because overdue is a potential risk under any circumstances. After the deadline, users generally don't agree to installment.

First, seize the opportunity of consultation.

Do a good job in psychological construction before preparing for negotiations. Only by being firm in heart can we resist endless collection, and a strong willingness to repay in the negotiation process is very crucial. It is a long process to negotiate with the bank to stop installment payment. Even if many cardholders are overdue under the influence of the epidemic environment, few people can negotiate successfully at one time, so we can find the best time to stop staging according to the length of overdue time. The bank's risk control warning will not be triggered within 30 days after the deadline. It is generally believed that this is an accident, which does not mean that the customer has lost the ability to repay. It may only be temporarily forgotten or short-term cash flow difficulties. At this stage, the bank will not collect the money, and at most send a text message to remind you.

Two, six months after the deadline for starting negotiations.

After 180 is overdue, it is the best time to negotiate repayment. For cardholders who have not paid back the money after two rounds of collection, but have a strong willingness to repay. Banks will open more relief authority, exempt interest, liquidated damages, penalty interest and so on. Seize this opportunity, strive for the greatest benefit, try to reduce the cost of repayment and make a repayment plan. Remember to repay on time every month after the negotiation is successful. If it is overdue again, you may be required to repay all the principal in one lump sum or be sued, and all previous efforts will be wasted.

It takes patience and skill to handle the installment, but the premise must be that the cardholder has the willingness to repay. If you have signed a personalized repayment agreement with the bank, please remember to repay regularly every month according to the repayment promise, otherwise the personalized repayment agreement will be invalid. The longest installment period is five years. In the bank's view, cardholders are untrustworthy customers whether they can apply for suspension of payment after the expiration, so it is best to use this method when absolutely necessary, because it will have a great impact on their credit investigation.