How can I apply for interest free accounting, and how can I apply for interest free 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.

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.

Suspension of interest refers to the cessation of interest, and suspension of interest refers to the temporary processing of the amount of arrears. Interest suspension is a repayment method launched for people who do not have enough ability to repay the arrears, and the bank will formulate a repayment plan according to the specific situation of the repayer after the account is suspended; The debtor then repays a certain amount of arrears every month according to the repayment plan.

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I go to the bank with my ID card.

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.

There are a thousand Hamlets in a thousand people, and no two leaves can be found in the world that are exactly the same, and everyone has different opinions and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I hope to give you some help, I hope to get your approval, thank you!

Colleagues wish you peace and security in your future life, smooth sailing, when encountering difficulties, you can also face difficulties, success, if there is anything you don't understand, you can continue to ask, don't feel embarrassed, or have concerns, we have always been your most firm friend background, in reality encountered illegal infringement, and unpleasant things can also be chatted with me in detail, we have been providing the most reliable judicial answers, help, do not be afraid of difficulties, as long as you insist, the sunshine is always after the wind and rain, Difficulties can be overcome, as long as you don't give up and look for a way out wholeheartedly.

Summary. Hello, dear, so that you can apply for interest-free account 1, call the bank's official customer service**, and make an appointment for repayment; 2. Make an appointment at a bank branch to apply for interest suspension; 3. Negotiate the suspension of interest at bank outlets, emphasizing their willingness to repay and the current predicament; 4. After the negotiation, sign a new repayment agreement, and you can get the operation of the bank to suspend interest and hang the account; 5. If the negotiation fails, apply through legal channels.

Dear, hello, so that you can apply for interest-free account rent1, call the bank's official customer service**, and make an appointment for repayment; 2. Make an appointment at a bank branch to apply for interest suspension; 3. Negotiate the suspension of interest at bank outlets, emphasizing that their repayment intentions are high and vain, and also emphasizing the current predicament; 4. After the negotiation, sign a new repayment agreement, and you can get the operation of the bank to suspend interest and hang the account; 5. If the negotiation fails, apply through the legal channel of Shizhao.

Data expansion: interest suspension refers to the cessation of interest, and account suspension refers to the temporary processing of the arrears. Interest-free account suspension is a kind of nuclear splitting repayment method launched by the blind for people who do not have enough ability to repay the arrears, and the bank will formulate a repayment plan according to the specific situation of the repayer after the account is suspended; The debtor then repays a certain amount of arrears every month according to the repayment plan.

So how do you apply?

1. Call the bank's official customer service** to make an appointment for repayment; 2. Make an appointment at a bank branch to apply for interest suspension; 3. Negotiate the suspension of interest at bank outlets, emphasizing their willingness to repay and the dilemma of touching their fingers; 4. After the negotiation, sign a new repayment agreement, and you can get the bank's operation of stopping interest and hanging accounts; 5. If the negotiation fails, apply through legal channels.

Call **to the bank official,**Make an appointment to apply for the elderly;

You can also make an appointment at the business outlets to apply for interest suspension; It is necessary to pay attention to applying for interest suspension at business outlets, and express their willingness to repay and current difficulties; After negotiation, a new repayment agreement was signed, and the application for interest suspension was basically completed;

If it is not possible to negotiate, you can also protect your interests through legal channels.

Suspension of interest refers to the termination of the overdue interest, and suspension refers to the temporary settlement of the borrowing amount. Interest suspension is a type of repayment method issued specifically for people who do not have sufficient repayment ability to repay the arrears, and the bank will formulate a repayment plan according to the actual situation of the repayer. Subsequently, the borrower can repay the corresponding loan on a monthly basis according to the repayment plan.

1. Can I be sued if my credit card is overdue?

It's possible. 1.Ongoing dunnings from the bank.

When the borrower is overdue for repayment, the bank credit card customer service center will first notify you several times; If the payment is still not paid, the bank will entrust a third party to collect, usually continuous**, text messages, or even door-to-door collection; If the loan is not repaid after repeated reminders, the bank will file a lawsuit in court.

2.Sued by the bank, unable to apply for a loan.

The cardholder will be added to the credit blacklist and cannot apply for the loan, the court will collect it, and after receiving the court summons, after investigation and persuasion to urge the repayment, but if the cardholder refuses to repay, the court can take compulsory enforcement; Subsequently, the court will liquidate the cardholder's assets to repay the card debt and freeze the relevant assets.

3.Malicious default, facing jail and fines.

A credit card that is overdue for three months can be considered a malicious overdraft penalty, but if you communicate well with the bank in advance and prove your repayment ability and repayment plan, you will generally not face criminal liability. However, the court will make a judgment that the cardholder who still does not return will be dealt with in accordance with the Criminal Law, and may face the consequences of three years in prison and a fine if the circumstances are serious, and the service pretending to be Hui will face a longer sentence in prison of three to seven years and pay a fine.

The process of applying for interest-free account is as follows:

1. Go to the bank or financial institution that handles the loan to consult the specific conditions and procedures for suspending interest and hanging accounts.

2. Prepare relevant application materials, such as ID card, loan contract, repayment record, etc., and fill in the application**.

3. Submit the application materials to the lending bank or financial institution and wait for review. The bank or financial institution will review the application materials and approve the suspension of interest after confirming that the conditions are met.

4. Wait for the processing result: The bank or financial institution will process the application for interest suspension within 3 working days, and if the review is approved, you will be notified of the specific time and method of interest suspension.

The information required to apply for interest-free account suspension is as follows:

1. Application for suspension of interest: It is necessary to explain in detail the reason, time, and amount of Shen Xiaoju's request for suspension of interest.

2. Identity certificate: including the original and photocopy of the ID card of the borrower and the guarantor.

3. Loan agreement: including the original and copy of the loan contract, the original and copy of the guarantee agreement, etc.

4. Repayment records: including the borrower's repayment records, the amount owed, the overdue time and other supporting materials.

In summary, the suspension of interest will affect the repayment period and interest calculation method of the loan, and it is recommended to carefully understand the specific policies and requirements of the bank or financial institution before applying, so as to better apply for the suspension of interest. In addition, if there is difficulty in repaying the loan, you can contact the bank or financial institution in advance to seek other repayment methods or arrangements to avoid problems such as overdue and default if you do not answer the loan.

Qiaowei Legal Basis]:

Article 675 of the Civil Code of the People's Republic of China.

The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Article 676.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.