When dealing with overdue credit cards, you can temporarily stop interest calculation by going through the formalities of stopping interest and hanging accounts, so as to reduce the accumulation of overdue interest.
2. Detailed description:
A) Contact the bank: Step 1, contact the cardholder's bank and ask about the specific procedures and requirements for stopping interest payment. Generally, you can consult by telephone, online banking or bank counter.
B) Providing information: According to the requirements of the bank, provide personal identification information and credit card related information, including card number, name, identification certificate, etc.
C) Application: Fill in the necessary forms or provide relevant written application according to the instructions of the bank, explicitly request to stop interest calculation, and attach necessary supporting documents, such as proof of repayment intention and proof of income.
D) Waiting for approval: After submitting the application, you need to wait for the bank to approve the application. This may take some time, please be patient.
E) Complete the formalities: If the application is approved, the bank will notify the overdue credit card holders and ask them to complete the relevant formalities. It may be necessary to sign relevant documents or pay some formalities.
3. Summary:
If a credit card is overdue, you can contact the bank, go through the formalities of stopping interest according to its requirements, temporarily stop interest calculation, and reduce the accumulation of overdue interest. The detailed process includes contacting the bank, providing necessary information, filling out the application, waiting for approval and completing the formalities.
4. Extended information:
Stopping interest is a temporary measure, which can help people with overdue credit cards to reduce their burden. In the process of handling, timely communication and cooperation with banks will help to deal with overdue situations. Proof of willingness to repay and proof of income can improve the success rate of application. According to the policies and requirements of different banks, the handling fee may be different.
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