Sort out all the credit card debts you owe to a bank, including installment, interest, liquidated damages and so on. After finishing up, calculate how many issues you can accept at least. Then take the initiative to contact the customer service of the bank and tell them that they are willing to repay, but for some reason they can't pay off in one lump sum, or they can't bear the current debt. So, now you ask the staff inside the bank to negotiate the repayment with you, and then sit and wait for the phone call from the bank.
2. Be alert to collection calls.
The last call was received by a third party to induce him to pay back the money. In this case, if you agree not to record the money, the interest and penalty interest will not be less, and this is either an application for negotiation or a collection. So be sure to record it and ask the other party in the recording: Are you collecting, the third party collecting, or the bank collecting? Does your plan represent the bank? As long as you are jointly and severally liable, you can complain to the bank by recording the principal plus interest penalty!
3. Well-founded, in accordance with the law.
After receiving the call, first make sure that the other party is a bank employee, work number and so on. Then it shows that the credit card limit exceeds the cardholder's repayment ability, and the cardholder has the willingness to repay. According to the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, they can negotiate with banks on an equal footing. At the same time, I remember to tell the other party about my current special situation, but I am willing to repay, but I can't repay in full.