1, sort out your debts and take the initiative to contact.

After the deadline, sort out liabilities in time, such as some credit cards and online loans, and summarize the minimum installment agreed with the bank. It is acceptable!

Then take the initiative to contact the bank, inform yourself of your situation, have the willingness to repay, and explain why you can't pay off your debts at one time. You want to apply for personalized installment repayment, and tell yourself the number of installments you can afford and some materials to prove, so that the bank can register it, and then wait for the bank to call back. This is similar to the negotiation of overdue treatment (ps: Don't mention the reasons, there are difficulties, favorable conditions should be put aside, and what should not be mentioned should not be mentioned.

2. Don't run away from the collection.

Specifically, since it's overdue, what's your attitude towards the collection with insiders of the bank or the three parties, and whether you sincerely show your needs and attitude? If the cardholder himself has foul language, lies, lost contact, etc. During the collection period, the probability of your application for suspension of payment will be greatly reduced.

3. Have certain economy and repayment ability.

As the saying goes, "saving the poor from emergency", the fundamental reason why banks agree to negotiate must be that they know that they can recover their debts. Then the debtor should provide the corresponding work certificate, or running salary certificate, indicating that he has a stable job or a source of income, so long as he can pay in installments, he can repay the loan as scheduled every month. It's just that the situation is special and unbearable now.

4. Pay attention to details in the negotiation.

After receiving the call, first confirm whether the other party is a bank employee and write down the job number.

If you haven't received a reply, you can consult the bank again. If the other party keeps beating around the bush and doesn't agree to repay by installments, you can directly call the CBRC at 12378 to complain!

Be sure to ask the customer service phone number of the other party clearly, so if no one can solve it later, be sure to call back and find the previous customer service inquiry process.

5. Wait for the review before calling!

Generally, as long as proof materials are provided, they will basically pass. After the approval, the repayment agreement will be signed. Some banks sign contracts electronically (banks will have recordings), and some need written signatures from offline outlets. After signing, they can repay according to the repayment plan.

We teach the technical principle of stopping the payment. All the methods and skills are 998, which can be learned by individual agents. As an important part of the national credit system, the negotiated repayment mechanism is inevitable and its existence is reasonable.