Maybe you didn't put yourself in the other's shoes, so you decided to be strange. After you put yourself in the other's shoes, you didn't decide to be strange!

first, the bank is a money institution, in other words, it is an organization. After you are overdue, someone will be responsible for the collection, but it is also decided whether to agree with you or not. In fact, it has its own regulations that can be negotiated. It's just that it won't do much good to the bank after negotiation, so why should we agree?

if all can be negotiated, it is not good for banks to manage accounts receivable after it is overdue! Therefore, unless the relevant departments intervene, they will not agree.

second, if you are overdue, you will have interest and liquidated damages, with the daily interest rate of .5% and the unpaid part of the liquidated damages of 5% per month. Why should I negotiate with you if you have money?

Third, the impact on you after the deadline is that the credit record will always exist. Unless you don't need to collect credit for a lifetime and outsource it, they just need to ask a third party for the result, which will not affect their salary too much.

fourth, banks will make provision for bad debts, and if they fail to collect them, they will write them off internally. Anyway, bad debt provision is to deal with these problems. He is not worried that you will not affect anything, hundreds of billions of profits a year!

Fifth, it's really no good. Banks can also sue and collect money through legal means. If you don't return it after prosecution, it will be included in the list of untrustworthy people, which will have a great impact on you. When you have money, you will return it yourself!

So, there are many reasons for not negotiating, so there is no reason for them to take the initiative to consult with you, and there is definitely no need to agree to your negotiation! Look at it from another angle and you will understand!

first, if the amount is small, you don't have to worry too much. You should first understand the impact of overdue on you, analyze the pros and cons, and you will know how to deal with it.

second, keep the repayment, don't hide, especially for the large amount, deal with as much as you can according to your income ability!

third, if you want to negotiate, you must find a department that can manage the bank, but you can't negotiate with the customer service. The role of the customer service is only to send a message, and they can't give you an answer!

fourth, communicate with the bank to solve the problem when you get the money, and strive for relief. Many people don't know how to save money for themselves!

5. If the bank files a lawsuit, it shall be subject to the receipt of a summons or court notice. This time is also a good time to negotiate.

I am a professional in handling overdue installment of credit cards. Please advise if you have any questions!

Why do individuals negotiate installment repayment with banks after the credit card expires, and most banks will disagree? Moreover, some fans reported that the bank agreed to give me installment, but it was installment with interest and liquidated damages. I felt very inappropriate and didn't give me interest-free! So why did this happen?

Because there are too many overdue people, it will take a lot of time for the bank to deal with these things every day, so there is no energy to do other things. Moreover, after you are overdue, you will generate interest and liquidated damages, so the bank will have a profit. Therefore, the bank will not be willing to make installments, even if it is phased, it needs to bring interest and liquidated damages! Because it is personal fault that individuals are overdue, there is no capital for negotiation!

So why are some people interest-free by installment? Is there any way we don't know?

Actually, the debtor will definitely find other ways to deal with it after personal negotiation fails or interest and liquidated damages are paid in installments. Then these interest-free installments mean that the debtor finds the right method and then reaches an effective repayment agreement. So some people ask what this method is?

This method is to solve it through legal channels. If personal consultation fails, we will find a stronger person to solve it, complete the reorganization, re-stage, reduce the pressure, find ourselves, regain self-confidence, keep the appointment on time, return to normal life, avoid the troubles caused by overdue, and choose the best way to go ashore! People in debt know this time, why others can and you can't, but the method is useless!

I hope this answer can help those in need!

I'm a financial planner, and I'll answer this question.

Xinqi used to be a member of the risk post of joint-stock commercial banks, and there were hundreds, if not thousands, of cases of overdue credit cards. Of course, we have also received a lot of work orders asking for credit card repayment reduction through negotiation. There are three cases in which we will not accept the application for negotiation.

here comes the question of standards. Maybe for our ordinary customers, the overdue payment of several thousand yuan is also a "large amount", but for commercial banks, which handle trillions of dollars every day, the credit card arrears of several thousand yuan are really just a small piece of cake. In the background operation, we will filter out a batch of work orders with small amount and short overdue time with the help of the core system in the bank, and the specific standards involve the regulations in the bank, so I won't say it in detail. Because the overdue situation of this part of the list is relatively light, the commercial bank will not agree to negotiate for relief because it judges that the debtor has the ability to repay.

this kind of situation is mainly aimed at customers who are overdue for many times and have low credit. Some of them may be overdue for many times, not returning for a long time, ignoring the bank's urging, and have regarded it as malicious arrears to customers within the bank. Or there was a large overdue before, and the bank agreed to reduce it, and the overdue situation occurred again. 99% of overdue work orders with such characteristics will not be negotiated unless there are very special circumstances.

there is another reason that is utilitarian, but it is also the actual situation. We assess the overdue NPL ratio and overdue amount of credit cards. Generally speaking, as long as this year's NPL ratio index has been completed, we will not consider most of those applications for reduction and exemption. Because the task has been completed, there is no motivation to spend a lot of energy to negotiate with cardholders. Secondly, if the amount of non-performing loans reduced this year is too large, next year's indicators may not be completed, which is so realistic.

With the development of national economy, the social consumption concept has changed greatly. At present, consumption in advance has become one of the mainstream consumption modes, and credit cards are one of the important tools of this consumption mode. It has become normal for everyone to hold one or several credit cards. However, many people have lost control over the overdraft of credit cards, which exceeds their repayment ability, resulting in overdue credit cards, and then they want to negotiate with banks, but to their disappointment, banks resolutely disagree. So why do banks have such an attitude? The main reasons are as follows:

Credit cards are mainly used for consumption in advance or emergency use, so the bank has set an interest-free period, which is to give cardholders a certain period of time to prepare funds and repay them on the repayment date. However, if the cardholder fails to repay on the repayment date, it will be in arrears, and the cardholder's behavior is a breach of contract, which has violated the spirit of the contract. At this time, it is necessary to consult with the bank. The bank disagrees because the bank only wants to recover all the credit card arrears as agreed, and the cardholder's breach of contract is the cardholder's business, but the bank does not want to break this routine and must repay the loan as agreed, which is the principle that the bank adheres to.

agreeing to negotiate with the cardholder means that the bank has made concessions, and it also means that the bank has compromised for money, which will have a certain impact on the bank's future collection. If everyone thinks that the bank agrees to negotiate in order to recover the credit card arrears, everyone will come to the bank to negotiate without negotiation, which will bring certain difficulties to the collection, so the bank must adhere to its own principles from the beginning and let the cardholder repay as agreed.

In addition to the interest difference between deposits and loans, a part of the income of banks comes from credit card interest and late payment fees. We all know that credit card overdue will generate certain interest and late payment fees, and the overdue interest of credit cards is very high. If the cardholder negotiates with the bank to reduce some interest or late payment fees, it is impossible for the bank to agree. It is legal and legal for the bank to collect overdue interest and late payment fees according to the agreement, and there is no reason to reduce them for cardholders. Moreover, this part of interest and late payment fees is one of the sources of income of the bank.

If everyone talks with the bank after the overdue period, and the bank agrees to reduce the interest or late payment fee for the cardholder, the bank's income will decrease accordingly, and the bank will definitely disagree. Of course, if the cardholder fails to repay the arrears, interest and late payment fee, the bank will also suffer losses, but the bank still has the means to target the cardholder on the premise of adhering to the principle, and this means is the third reason we want to talk about.

The overdue credit card will not only make the cardholder's credit information black, but the bank can sue the cardholder after a certain period of time. Generally speaking, if the cardholder fails to repay the loan for more than three months after two effective collection by the bank, the bank can sue. If the overdue amount of the cardholder exceeds 5, yuan, the bank can also report the case to arrest the cardholder after the bank fails to collect it. Therefore, if the bank disagrees with the negotiation and the cardholder continues to default and insists on not paying it back, the bank can only sue the cardholder or report the case to arrest the cardholder.

Once the cardholder fails to repay the loan after the bank sues, the court will put the cardholder on the list of people who have been executed for breach of trust, and the cardholder will become a faithless person from now on, so his travel will be restricted, he can't take the plane and high-speed rail, he can't spend too much money, his children can't go to private schools, and his children can't apply for civil servants or institutions after graduation, which has a great impact; If the cardholder defaults more than 5, yuan and the bank reports the case, the cardholder will inevitably be jailed for several years.

to sum up, after some credit cards are overdue, the banks will never agree to them after consultation, mainly because it is necessary for banks to adhere to their own principles and consider their own income, and at the same time, there are laws and regulations to escort their collection.

When you negotiate, you always have to pay back, but the amount is different. People's staff won't get any benefit from you because they help you negotiate. In addition, they need to report it layer by layer, and you have to cooperate with them to provide some things such as poverty certificates and disease treatment documents. So from the beginning, you should pay attention to give them hints that there will be a fee after the job is done, and things will be clean, otherwise others will not care. Some guys owe a lot of money to the bank, and the bank's collectors have to eat. They don't give any benefits, and they always expect others to handle it fairly. It is unrealistic to think about you, and things will not be done in the end.

You have missed the point. You studied the modern history of the world in junior high school. When there was an economic crisis, some farmers would rather pour milk into the river than sell it cheaply to the poor who didn't have enough to eat. I was very puzzled at that time, no matter how much money I sold, I could return some books.

Once a customer's credit card is overdue, the bank will immediately press the borrower to return the principal and interest as soon as possible through SMS, telephone, manual door-to-door collection or legal collection.

However, many people can't repay the principal and interest in full because of their heavy debts, so it goes without saying the penalty interest. I just want to negotiate with the bank whether I can waive part of the interest and penalty interest and extend the repayment period so that the borrower has enough time to collect funds to return the principal.

ordinary people will think: since they are really in trouble, it is good to repay the principal. Why do banks still hold on to interest and penalty interest? Aren't you afraid of forcing the borrower into a hurry and not paying back a penny?

As far as a single customer is concerned, the bank may have concerns, and the debt collection will make the customer's mentality collapse, which will break the jar and break the fall, and even the principal will not be repaid.

However, as an industry dealing with currency risks, banks will not fail to do a good job in market forecasting and data analysis. The policy formulation is not aimed at you alone, and it will not change the policy because of you alone.

if the bank decides to give a certain overdue customer a reduction or exemption of interest or part of principal, other overdue customers will follow the example of the bank to loosen the policy, so that those customers who are only temporarily in financial difficulties and have the repayment ability in the later period will insist on not paying back until the bank voluntarily relaxes the policy to give a reduction or exemption, which will cause a policy gap in the whole industry, making it easy to open the gap, but difficult to close it.

unless you don't deal with banks all your life, your immediate family members won't buy a house, join the army or take the civil service exam.

Generally, the overdue amount of credit cards is not too large, ranging from several thousand to tens of thousands. It is not difficult for anyone to pay off tens of thousands of debts in a year or two as long as he has the willingness to repay.

to put it bluntly, banks are not afraid of your failure to pay back, so they will never let go on the issue of reducing the penalty interest.

There are similarities and differences between overdue credit cards and banks in loans overdue.

many bank loans are larger than credit card loans, ranging from tens of thousands to millions. Once ordinary people or companies run into difficulties, resulting in a broken capital chain, it is not easy to fill this hole in a short period of time. Therefore, banks will make plans in advance when they encounter customers with large loans who can't repay their loans on time: they will either extend the loans, restructure or change the documents, and it goes without saying that interest and penalty interest will be reduced or exempted. Try to help customers tide over the difficulties and repay the huge loan principal.

If the credit card is overdue, from the perspective of the overdue person, it means that there is no way to overdue, and there is a reason. I hope that the bank can give an extension and pay it back later, or give it back later. But from the bank's point of view, you are in debt, and you agreed to pay off the debt within the specified time limit before using the credit card, but you failed to do so. The bank can't guarantee that you will pay back the money if you agree to postpone it, and the bank will still be profitable if you don't agree to postpone it.

The main reason why most banks disagree is that they want to recover this debt as soon as possible. After you are overdue, you will naturally have interest and late fees to collect. You don't worry about not paying back the money at all. Even if you don't pay back the money, banks have various ways to make you pay back the money, resulting in many people finally paying back this debt.

1. The bank can charge you interest and late fees. If you are overdue, the bank will charge you interest and a late fee. Interest is the daily interest on the outstanding debt, and late fee is a punishment for your monthly debt performance. Then you can not pay it back, and the bank will continue to accept it, and even the later period with interest will be taken back from you.

2. Banks can collect debts by collecting companies. The collection company can call you frequently, or call your contact person to tell you that others owe money. For the bank, they don't need to do anything. The collection company will bother you to take the initiative to repay. If you can avoid the collection company's repayment, the bank has other ways.

3. Credit information will always be with you. After the deadline, the credit record will always exist. When you pay off the debt, you can take the initiative to clear it five years later. At this time, if you don't pay back the money, the credit blacklist will hinder you in the later loan and other consumption, which will add a lot of inconvenience to your life.

4. The bank will start to sue you. Ruoqian