1. Can loans overdue negotiate repayment?

Repayment can be negotiated after loans overdue. Under normal circumstances, loans need to be repaid in accordance with the loan contract. However, if the user cannot repay the loan on time due to special circumstances, the user may apply to the lending institution or lender for negotiation. Whether the negotiation can be successful depends on the answers of lending institutions and lenders. Even if the negotiation fails, it will not have a negative impact on users.

Moreover, users can even submit applications for repayment negotiation for many times, which can increase the probability of successful negotiation. After the negotiation is successful, the borrower and the lender will agree on the repayment time and amount respectively, so that the user can repay according to the agreed content, which can effectively alleviate the repayment pressure and pay off overdue debts as soon as possible. Therefore, after loans overdue, users can try to submit an agreement repayment application.

Second, how to negotiate with the bank when the bank credit is overdue?

Users who have not paid back in loans overdue should take the initiative to call the bank, explain to the customer service the reasons for their 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.

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.

Agreement repayment generally means 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.

Third, will credit card arrears constitute a crime?

Credit card arrears will not constitute a criminal offence and should be handled as a civil dispute. Using credit cards has become a common way of spending. Some cardholders have misunderstandings about the understanding and use of credit cards, are not clear about how to use credit cards correctly and safely, or are lucky about overdue repayment, which not only has a negative impact on personal loans and credit evaluation, but even inadvertently touches the legal bottom line and pays a heavy price.

After the credit is overdue, we must find a way to deal with it. If it is determined that the repayment cannot be made, it is necessary to negotiate with the bank at the first time. I need to show my repayment attitude and show that I am willing to fulfill all my responsibilities, so that my application can be recognized. Therefore, I must know how to safeguard my rights and interests.

Loans overdue can negotiate, if circumstances permit, the cardholder shall not exceed the time limit. If the cardholder's credit card is overdue, he/she needs to pay high overdue penalty interest, liquidated damages and late fees. Moreover, it will make personal credit information flawed, and will be rejected if you want to borrow money to buy a house and buy a car in the future. Moreover, if the overdue time is more than 3 months, and the bank has overdue repayment for more than 2 times, the cardholder will be prosecuted.