1. How to negotiate the suspension of interest payment 1. Give reasons for "irresistible" According to the above Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, cardholders can only apply for personalized installment if they can't repay their loans, so before applying, everyone should first indicate that they are overdue for irresistible reasons. 2. Show the determination of repayment and the attitude of giving priority to bank credit card repayment. Choose compulsory installment, otherwise you will not be able to repay. Every bank has different policies on overdue time and amount. Once rejected, there is little hope of success in the application. If you are worried about rejection, you can also seek legal help and strive for the maximum amount of relief, divided into 60 installments. 2. What are the advantages and disadvantages of suspending the use of credit cards? (1) Welfare 1. After the suspension, the arrears can be repaid in installments to avoid interest. 2. The longest repayment period can be divided into five years, in order to reduce the repayment pressure, and repay the loan as agreed every month. 3. After the account is suspended, the bank will no longer collect the cardholder. Don't worry about being sued by the bank after stopping paying the bill. It is recommended that you record it first, and then treat it as a voucher. (2) Disadvantages: 1. Credit cards are overdue, resulting in bad credit. 2. No bank credit business shall be handled before all the arrears are settled. 3. If you don't repay the loan as agreed, you will be called back, and even the bank may directly sue you for credit card fraud. Third, what will happen if the credit card is maliciously overdue? 1. Credit cards do not require the borrower to bear the liability for breach of contract, usually high penalty interest and liquidated damages; 2. Collection by financial institutions; 3. If the credit card is overdue for 90 days, it may be sued by the banking institution.