It is impossible to repay the loan in full, and if the bank does not negotiate, it can consult. The bank can divide it into 36 installments. Now it is only this ability, and ordinary banks can do it. He said that as long as your amount is small, you don't have to pay full attention to the bank's refusal clause. Generally speaking, the bank will sue you for about 50 thousand. He said that these banks are all owned by the state, and only the People's Bank of China is responsible for supervision.
: 1. What if the bank doesn't agree to negotiate installment payment after the credit card expires? The normal credit card collection process of banks includes the following processes: first, the bank's own collection department. At this stage, banks generally don't negotiate with you, but ask you to make a one-time repayment. At this point, I suggest you take a positive attitude, consult the staff more, and then pay back at least a little every month, at least to show that you want to pay back the money, not maliciously breach the contract. But at this time, the refunded money basically becomes liquidated damages or interest deduction.
2. Secondly, if the collection department cannot complete the collection work, the next stage is to outsource the collection company. This stage should be the most problematic stage, because the quality of outsourcing personnel may be different, and some will use various means to make you pay back the money, even panic and so on. But don't worry, all their worries have no legal effect. If the circumstances are serious and illegal, you can sue.
3. But at this stage, they can generally help to apply to the bank for relief of liquidated damages and interest, that is, they only need to repay the principal or even apply for installment payment. However, it is specially stated here that commercial banks are more flexible and can apply for deduction of liquidated damages and interest, but it is more difficult for state-owned banks such as the four major banks to apply, and generally you need to return interest. Finally, if the outsourcing collection department cannot complete the collection work, then the next stage is the bank itself. At this stage, banks will generally start to sue, this time it is serious, so we should pay attention at this stage, otherwise we may face legal proceedings. But the ultimate principle of banks is to make you pay back the money, so they don't sue unless they sue.
In short, if the credit card is in arrears, try to keep the phone open, keep a positive attitude, don't answer the phone, and then pay it back more or less every time, so that even if you sue in court, it won't constitute a credit card fraud crime. However, once you owe money to a bank credit card, your credit will be affected, so try not to owe a credit card and keep rational and objective consumption.