2. Cardholders must meet the following conditions: due to objective reasons, such as being affected by the epidemic, encountering natural disasters, unable to start a business, etc., cardholders cannot repay all debts in a short period of time; After the credit card is overdue, the cardholder must maintain a good attitude, actively express the willingness to repay, and cannot avoid bank collection by losing contact or refusing to repay; Cardholders must submit relevant poverty certificates or disease certificates to the bank; When communicating with banks, cardholders can consult or seek help from relevant professionals to find the most suitable negotiation scheme.
3. It is particularly difficult to apply for suspension of interest payments, and banks are generally unwilling to negotiate. Credit card is the main profit aspect of banks, and installment or minimum repayment amount and penalty interest through credit card are the main profit means of bank credit card business. Therefore, once the negotiation stops and the account is suspended, the bank's income will be reduced and the risk of debtor's refusal to repay will be greatly increased.