The third party helps with the interest rate reduction procedures.

1. You need to use your phone number and personal information when you ask others to handle the interest reduction business for you. Because the interest reduction and credit business is essentially an agreement reached between lenders and banks, others only exist as intermediaries.

2. If you want to negotiate the interest reduction and credit status successfully, you need to meet the following conditions:

(1) solvency. The credit card bill really exceeds the cardholder's repayment ability. Only when the credit card bill really exceeds the cardholder's repayment ability can the cardholder apply for interest reduction.

(2) Willing to repay. The cardholder is willing to continue to repay. Cardholders need to take the initiative to contact the bank before the final repayment date to clarify the situation and resolve it through consultation. If the cardholder changes his contact information to avoid the bank's collection, the bank will not allow the cardholder to apply for interest and fee reduction.

(3) Appropriate reasons. Cardholders need to provide appropriate explanations to the bank. In other words, due to changes in some external factors, the cardholder cannot repay the credit card bill.