How to apply for interest free accounting, how to apply for interest suspension accounting

As long as the user calls the bank's customer service** and directly applies for interest-free accounting. However, the interest suspension account can only be applied for if the credit card is overdue, and cannot be applied for before it is overdue. If the credit card is not overdue and the user can avoid the overdue minimum payment, then it is best to choose the minimum payment as it will not affect personal credit.

Apply for interest suspension is to take the initiative to contact the bank after the overdue, and take the initiative to explain their own situation, they want to handle this business, but the general bank will not pay attention to everyone, and will inform everyone that there is no business, at this time everyone has to insist, every two days and then hit **, if there is still no satisfactory reply, then you will have to complain, the content of the complaint and the content of your own bank is basically the same, after the complaint will generally be within a few days the bank will contact you, but generally the same reply, At this time, we must show our attitude, and make it clear that they will insist, many banks may not be able to stand the compromise, but some will insist, you can continue to complain, and finally there are many things after the bank compromise, the first is to negotiate the details and other issues, the general time will be relatively long, we need to be patient enough, generally a few months or even half a year. It should be noted that even if the application for interest suspension is successful, the credit card has already generated an overdue record, which will lead to poor personal credit and will not be able to handle other credit business in the future. Extended Information What does it mean to suspend interest on credit cards Credit card interest suspension actually means that after the credit card is overdue, the cardholder can negotiate with the bank to make the arrears no longer generate revolving interest.

The original interest will not be eliminated, and will still be linked to the cardholder's account together with the principal of the arrears, and the cardholder needs to negotiate with the bank on how to repay the principal and interest of the arrears. If the cardholder feels that the amount owed by the credit card is beyond the scope of his or her ability to repay, he or she can contact the bank to apply for interest suspension. If the bank agrees, the cardholder can negotiate a new repayment plan with the bank, and then pay off the outstanding amount of the card according to the new repayment plan.

The application process for interest-free accounts is relatively simple, and it is not possible for users to submit applications and then wait for the bank to review them. The specific process is as follows:

After the deadline, the user should take the initiative to contact the bank and consult the bank about his debts, including the amount of arrears and interest and other expenses.

After understanding the individual's debt situation, explain your situation to the bank, inform the bank that you are willing to repay, but cannot repay due to some reasons, and submit an application for suspension of interest;

The user submits the application materials for interest-free account suspension according to the requirements of the bank, and waits for the bank to pay a return visit;

The bank will inform the user of the audit result of the suspension of interest through a return visit, and if the application for suspension of interest is approved, the bank will inform the user of the new debt repayment plan;

Finally, the user needs to go to the bank branch to sign the relevant interest-free repayment agreement.

It should be noted that after the application for interest suspension is successful, the user must repay the loan in accordance with the provisions of the agreement, and cannot be overdue again, if it is overdue again, it will only bring greater debt pressure to the user.

Generally, when applying for bank interest suspension, only some special circumstances may be successful, such as unemployment or illness.

Hello. How to apply for interest-free accounting: (1) Bring your ID card, credit card, and materials that can prove your financial ability, such as:

Work conditions, income, property under the name, etc., apply at the counter of the bank branch and explain the situation to the staff. (2) After submitting the materials, wait for the bank's review notice (3) If the bank does not pass, call the CBIRC's ** and ask them to intervene, if the bank still does not agree, continue to call the CBIRC's ** to complain, and the notice may be successful after multiple applications. If the borrower is unable to repay the loan or credit card debt in the short term due to some special reasons, the borrower can apply to the bank to temporarily suspend the interest accrual, and the overdue amount and interest will be posted to the later stage for processing.

Interest suspension is also known as "personalized installment", and the principal can be repaid in up to 5 years and 60 installments. When applying to the bank for interest suspension, you should pay attention to the following points: 1. When providing difficulty vouchers to apply for interest suspension, it is best to provide some hardship vouchers to prove that your difficulty is true, so as to be convincing, and the materials that can be used as difficulty vouchers are:

Low security certificates, unemployment certificates, hospitalization certificates, etc. 2. Take the initiative to negotiate with the bank After the loan is overdue, you should contact the bank as soon as possible, explain the situation clearly to the bank, and provide a reasonable and feasible repayment method according to your own situation, so as to impress the bank. 3. It is difficult to try several times to apply for interest-free accounting, and the bank will not easily help Mengyan help users apply for accounting.

Therefore, in most cases, the bank will reject the user's request to suspend interest, at this time, the user needs to insist on it, and if it doesn't work once, try to apply for it several times.

Personal interest-free accounts need to call the bank's customer service center first.

Be sure to distinguish between the bank's call center and third-party collection, many people don't pay much attention to this.

Third-party collection has only one purpose, to find ways to make you repay and maximize its profits, so don't believe any promise of third-party collection.

Therefore, don't find the wrong main unit for negotiation and repayment, the main unit is wrong, then the negotiation is an empty word, and it is not pleasing to contribute.

To the credit card customer service center **, there should be skills and ideas, you also need to scrutinize the language many times, of course, the idea is more important than the language.

How to apply for interest-free account is as follows:

There are four main steps: (take the iPhone 8 phone as an example, based on the iOS 12 operating system).

1. Apply for negotiation: Call the bank's customer service** to learn the details of the repayment you need to repay, such as the repayment amount, principal, interest and other fees. According to these contents, combined with their current repayment ability, they can apply to the bank for interest suspension and negotiation, and negotiate the specific details, it is understood that the cardholder can divide the arrears into up to 60 installments.

Generally, it is not more than 3 billing days to negotiate, if it is more than 3 months, it will be more difficult to negotiate.

2. Wait for the return visit and submit the information: After submitting the application, you need to wait for the bank to return to the bank, the waiting time is long and short, and submit the information according to the requirements of the bank, we can prepare the relevant certificates in advance according to the reasons for their overdue such as unemployment, illness, etc., so as to save time.

3. Wait for the second return visit: After the review, the bank will inform you whether the application is successfully negotiated for repayment. If the application is successful, we need to understand the number of repayment periods, repayment amount, interest waiver, etc., and make a good recording.

4. Signing plan: The main ways to sign the interest-free account are recording, electronic agreement or paper agreement. Generally, commercial banks are in the form of recordings, Ping An Bank generally uses electronic agreements, and China Industry and Agricultural Construction Post generally adopts paper agreements, but they are also very flexible, both online and offline.

You also need to consult the bank's customer service for specific situations.

Summary. Hello dear, happy to answer your <>

The way to apply for interest suspension is to go to the bank** to apply for interest suspension, the process is to call the bank's official customer service** and make an appointment for repayment; Make an appointment at a bank branch to apply for interest suspension; Negotiate the suspension of interest at bank outlets, emphasizing their willingness to repay and the current predicament; After the negotiation, sign a new repayment agreement, and you can get the operation of the bank to suspend the interest and hang the account; If the negotiation fails, apply through legal channels.

How to apply for interest-free accounting.

Hello. Hello dear, happy to answer your <>

The way to apply for interest suspension is to go to the bank** to apply for interest suspension, the process is to call the bank's official customer service** and make an appointment for repayment; Make an appointment at a bank branch to apply for interest suspension; Negotiate the suspension of interest at bank outlets, emphasizing their willingness to repay and the current predicament; After the negotiation, sign a new repayment agreement, and you can get the operation of the bank to suspend the interest and hang the account; If the negotiation fails, apply through legal channels.

Interest-free account means that if the cardholder is unable to repay the credit card debt or loan on time due to special circumstances, the bank will suspend the interest calculation on time and leave the arrears for later processing after negotiation with the bank. In layman's terms, the suspension of interest is that the money is owed first, but the account will not be eliminated, and it will be repaid later. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks:

Under special circumstances, it is confirmed that the amount owed by the credit card exceeds the cardholder's ability to repay, and the cardholder is still willing to repay. According to Article 70 of the Regulations on the Supervision and Administration of Credit Cards, the following four conditions can be applied for.

1. The cardholder is willing to repay; Condition.

2. The cardholder has the ability to repay the loan in installments; Condition.

3. The cardholder is overdue and unable to repay the arrears in a lump sum; Condition.

Fourth, if the cardholder wants to return to the normal living environment, stop the collection** and do not want to be executed.

Summary. The specific methods are as follows: 1. Give "irresistible" reasons According to the above-mentioned "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", cardholders must be unable to repay before applying for personalized installments, so before applying, you must express that you are overdue because of irresistible reasons.

2. Show the determination to repay, as well as the attitude of giving priority to repaying the bank's credit card, choose to force installments, otherwise you will not be able to repay Each bank has different policies for the overdue time and amount, once it is rejected, there is little hope for the success of the application. If you are worried about being denied, you can also seek legal help to get the maximum amount of relief, which is divided into 60 installments.

The specific methods are as follows: 1. Give "irresistible" reasons According to the above-mentioned "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", cardholders must be unable to repay before applying for personalized installments, so before applying, you must express that you are overdue because of irresistible reasons. 2. Show the determination to repay, as well as the attitude of giving priority to repaying the bank's credit card, and choose to force installments or you will not be able to repay Each bank has different policies for overdue time and amount slippery, once it is rejected, there is little hope for the success of the application.

If you are worried about being rejected, you can also seek legal help and strive for the maximum amount of relief, in 60 installments.

Expansion and extension: What are the pros and cons of credit card interest suspension (1), benefit 1, after stopping quietly taking interest and hanging account, the arrears can be repaid in installments to avoid the situation of rolling interest. 2. The suspension of interest can be divided into 5 years of repayment at the longest, alleviating the leakage of repayment, and repaying the loan every month in accordance with the agreement.

3. After the interest suspension is handled, the bank will no longer collect the cardholder. 4. After the interest is suspended, there is no need to worry about being sued by the bank, and it is recommended that it is best to record it before handling it as a voucher. (2) Disadvantage 1: The suspension of interest is handled in the case of overdue branch period of credit card, which has generated bad credit.

2. Before the arrears are fully settled, no credit business of any bank can be handled. 3. If you don't repay the loan according to the agreement, the collection will come back, and even the bank may directly sue you for credit card fraud.

What are the consequences of malicious overdue credit cards1. It is judged that the borrower needs to bear the default liability for non-repayment of the credit card, which is generally high penalty interest and liquidated damages; 2. Suffering from the collection carried out by the Yinli trembling agency; 3. If the credit card is overdue for 90 days, it may also be sued by the banking institution.