First of all, learn more about the reasons why the bank refused to sign. Contact bank customer service, communicate directly, and understand each other's position and reasons. Understanding each other's views and interests is the first step to solve the problem.
Secondly, make a formal complaint to the bank in writing. Write a letter of complaint, explain in detail your repayment intention and capital situation, explain the reasons why you can't repay as planned, and put forward a reasonable repayment plan. The complaint letter should be clear, listing the specific repayment plan and timetable, as well as your repayment ability and willingness.
Third, if the bank still refuses to negotiate repayment, you can complain to the relevant regulatory authorities. Find the relevant banking supervision institution, complain to it that the bank failed to provide reasonable repayment negotiation, and provide relevant evidence and document support. The intervention of regulators can help you get fair treatment.
To sum up, if the credit card bank does not agree to negotiate repayment, it can first understand the bank's position and reasons, then complain in writing, and finally use the complaints of relevant regulatory agencies to solve the problem. Insisting on communication, providing reasonable repayment plan and handling affairs according to law will help to increase the possibility of solving problems.
Extended data:
According to China's relevant laws and regulations, the credit card contractual relationship between banks and cardholders needs to be resolved through consultation. If the bank does not agree to negotiate repayment, the cardholder can seek the help of the regulatory agency to resolve the dispute through a written complaint. In this process, the cardholder should provide relevant repayment willingness and proof of financial status to ensure the rationality and feasibility of the solution. The regulator will investigate the complaint and handle it according to relevant laws and regulations.
Please note that the specific solutions may vary according to the situation, and it is recommended that you seek professional advice or consult relevant institutions according to the specific situation when you encounter similar problems. The above are general suggestions for reference only.