How to apply to the bank for interest suspension and what is the application process for bank intere

According to the voice prompts, transfer to the manual service, and apply to the customer service for interest suspension. After verifying the cardholder's information, the manual customer service will handle the application for interest-free account suspension for the user, and then the cardholder only needs to wait for the bank's approval result, which can be roughly divided into four steps:

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 should not exceed 3 billing days.

If it takes more than three months to negotiate, it will be more difficult.

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 audio recordings, Ping An Bank.

Generally, electronic agreements are used, 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.

"Suspension of interest" means that the interest on the arrears is stopped, but the interest originally generated by the arrears will still be linked to the account together with the principal of the arrears. If you want to negotiate with the bank to suspend interest on the account, you must first express your current predicament clearly and tell the bank that you are indeed unable to repay the arrears; Then express your willingness to actively repay the loan; Finally, an application for interest suspension will be submitted.

The process of applying for "interest-free account" by the bank can be successful in 4 steps

If you have been owing and not repaying, and there is no negotiation, then the bank will definitely go through the judicial process in the end, and the credit card is overdue or find a way to repay, you can try to negotiate with the bank to repay the loan, and repay it in installments, depending on whether the bank agrees, and the bank will provide you with a plan. Long-term overdue will affect personal credit, and the bank will truthfully feedback the cardholder's card use according to the requirements of the People's Bank of China.

I've been ashore for a month, and minus hundreds of thousands have tormented me for two years. The bank urged hard, ** burst my address book. Relatives and friends don't look at me and sneer.

Every day I was caught in a hurry, no income, let alone how to solve the debt, and then I saw a blog post called (rigorous Li Jin) can help people solve the problem of overdue planning, so I went to Mr. Jia'an WeChat, and then I went ashore.

To apply to the bank for credit card interest suspension, the most important thing is to take the initiative to negotiate and communicate with the bank. If the communication is not smooth, you can seek help from the CBRC. In addition, before applying for interest suspension, it is also necessary to pay attention to whether the individual meets the application conditions:

1. The amount of arrears clearly exceeds the debtor's ability to repay, and the debtor has reasonable reasons, such as unemployment, illness or other force majeure; However, the debtor has a strong willingness to repay.

2. The debtor has no malicious violations.

3. The debtor has a certain ability to repay the loan in installments.

Suspension of interest is the suspension of interest on account for the purpose of management, the bank has suspended the accounting processing of regular interest calculation, and posted the balance and interest of the outstanding amount to the account for later processing. When the interest is suspended, the cardholder can sign a personalized repayment agreement with the bank to repay the arrears in installments, and the maximum number of repayment negotiation periods shall not exceed 60 installments.

Regarding the suspension of interest, many banks will reply that there is no such statement, so they will apply for personalized repayment.

According to the regulations, if the cardholder is willing to repay but does not have the ability to repay, he or she can negotiate with the bank on an equal footing to formulate a personalized repayment plan.

In this negotiation process, the user must first explain the reason why he is overdue, although the bank may not necessarily recognize it, but it reflects from the side that the user has difficulty in repaying, rather than deliberately not paying the overdue cause, and can also cooperate with the provision of relevant information, such as poverty certificates.

Secondly, it is recommended to contact the head office directly before applying for negotiation, you can see the number on the back of the credit card, and then go to the designated branch after negotiation with the head office.

In addition, if the head office does not agree, it can complain to the CBIRC. In terms of feedback, after the CBIRC intervened, many users would soon receive communication from the bank to solve it**.

Finally, if the negotiation plan has been decided, you can promise the bank that you will not delay the overdue time and will repay the loan on time. Of course, this should also be done during the subsequent repayment process.

When applying for an online loan, if you have overdue or multiple platform loan records, your information will be analyzed by big data risk control. If you keep being rejected, even Sun Liangzhi will cause the closure of accounts such as Huabei. If there is an abnormality in your cyber hack data, you can obtain your big data and credit status by searching for "Know Look".

In addition, the query can obtain important data information such as your personal credit status, blacklist status, application platform type, overdue status, overdue amount, and whether there are arbitration cases.

Extended Information: Can Online Loans Be Interest-Suspended?

Generally speaking, online loans cannot be suspended at interest.

When applying for an online loan, the borrower and the lender will sign a loan contract, and if your online loan is overdue, interest and liquidated damages will need to be calculated according to the contract. Under normal circumstances, the lending institution will not agree to the request to suspend the interest on the account, but it can negotiate with the lending institution for a relatively reasonable solution such as deferring repayment or reducing interest.

Summary. Go to the card-issuing bank and apply to the relevant staff for the bank to suspend interest on the account. Clause.

1. Go directly to the issuing bank to apply to the relevant staff. After the credit card is overdue, you can go directly to the bank that issued the card and negotiate with the relevant staff to indicate that you want to carry out interest-free installments. During the negotiation process, it is necessary to pay attention to the ways and means to show that you are willing to take the initiative to repay, otherwise the bank will usually not agree to the debtor's request.

How to apply for a bank interest suspension account.

Go to the card issuing bank and apply to the staff of the matching customs to suspend the interest rate of the bank. Clause.

1. Go directly to the issuing bank to apply to the relevant staff. After the credit card has expired, you can go directly to the bank where the card was issued, negotiate with the relevant staff, and express your need to stop interest installment. During the negotiation process, it is necessary to pay attention to the ways and means to show that you are willing to take the initiative to repay, otherwise the bank will usually not agree to the debtor's request.

Clause. 2. Conduct online negotiation through the customer service on the credit card** and put forward your own demands. Secondly, in addition to the above-mentioned method, friends with overdue credit cards can also apply for interest-free installments through online negotiation.

Nowadays, the vast majority of credit cards have a service**, and users can also directly open the lease in this way.

If you want to successfully apply for interest suspension and installment repayment, the premise is that the cardholder does not have the ability to repay the loan, and does not intend to repay the loan after the loan is overdue, the cardholder needs to provide certain supporting materials when applying, such as unemployment certificate, labor termination certificate, hospitalization details, etc. If the cardholder has the ability to repay the loan and intends not to repay the arrears, the card-issuing bank will naturally not agree to the cardholder's application for interest-bearing suspension and installment repayment, and the cardholder can only settle the arrears as soon as possible.