Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks: Under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The above provisions are the basis, but in reality, banks will generally tell you that there is no such business or give some very demanding repayment plans. So, why are banks unwilling to negotiate with cardholders? There are several reasons: 1. After the credit card expires, the cardholder is already in a state of dishonesty for the bank, and it is not easy for the bank to trust the cardholder.

In real life, the overdue situation is that the minimum repayment ability is gone. If the minimum repayment can be made, there will be no overdue, so staging is not binding. Many cardholders are still unable to repay their debts after installment payment. It is also necessary to continue overdue. Banks should arrange collection, so it is better to solve the problem at one time.

2. Agreeing to installment payment at will is not conducive to controlling accounts receivable.

This is unfair to users who can repay in installments after the deadline. Since they can pay in installments, everyone doesn't have to rush to pay in installments after the deadline. Who is worried about overdue? Bank credit card accounts receivable are completely uncontrollable, which will lead to more overdue problems. The profit model of credit cards will be disrupted.

3. Banks can put pressure on overdue cardholders in disguised form through a third-party collection company to force them to repay in advance.

They don't have to be as polite as the internal collection of the bank when communicating. Putting pressure on the debtor can be more direct and speed up the repayment. Reduce the bad debt rate. If something goes wrong, the bank can also let the third-party collection company bear the responsibility.

How can we get the bank to agree to repay the loan in installments? 1, seek professional help.

This is the simplest and most direct way. Although it requires some expenses, it adds another expense to the debtor. However, professionals are professionals after all. If you are familiar with various legal provisions, banking procedures and policies, you can win the most reasonable repayment plan, and the money saved may be far higher than the expenditure. However, you should be careful to be a pseudo-professional and stay away from the intermediary.

Step 2 negotiate by yourself

Be prepared-prepare in advance before the negotiation, such as proof materials that can prove your special situation or difficulties.

Find the right target-negotiate installment repayment with the bank, not the third party and collection. The meaning of collection is to get the money back as soon as possible, not to negotiate with you. This is his job.

Perseverance-nothing in the world can't be solved by communication. Communicate with the bank more. Failure once is twice, and failure three times is five times.

Remember to judge whether it is necessary to negotiate? You need to plan the repayment according to your real income and liabilities, and then decide whether it is necessary to negotiate. After all, generally speaking, the pressure of restoring the normal use of credit cards is far less than that of negotiating repayment.

The ultimate goal of negotiated repayment is to pay off debts. If you want to pay off your debts, you must know your debts first. Do you know your own debts?