1, user loans overdue, should take the initiative to call the bank hotline, explain to the customer service the reasons for his overdue, and then apply for repayment through negotiation. If the customer service refuses the user's repayment application through negotiation, the user must pay off the overdue debt as soon as possible. After accepting the user's application, the customer service will generally ask the user to upload relevant certification materials for review. The more materials can be submitted, the more favorable the negotiation will be.

2. After the user submits the agreement repayment application, because the bank can't judge the specific situation through the user's oral content, it needs to upload proof materials, which can explain whether the actual situation described by the user is true or not. The user really caused the bank to loans overdue for special reasons, and then submitted proof materials, and both parties can generally negotiate successfully.

3. Agreed repayment generally refers to extending the repayment period, and the bank will give certain interest relief, which can reduce the repayment pressure of users and let users pay off overdue debts as soon as possible.

4. If the credit loan has not been repaid, the user must have enough strong proof to apply to the bank for deferred repayment. For example, users cannot repay on time due to resignation, serious illness, disability and other reasons. Banks are willing to negotiate repayment with users as long as valid proof materials are submitted. The user does not have this special reason, and the bank is unwilling to postpone repayment. Therefore, there is no skill in negotiating with the bank to postpone repayment, mainly because the user must have strong enough proof materials.