Is it reliable to negotiate interest suspension through a third party?

Suspension of interest is to stop the interest of the debtor, temporarily hang the debt in the name of the debtor, and during this period, there will be no collection by any bank and third party**, and wait until the future to negotiate with the bank to repay. Although the relevant interest can be exempted from handling interest-free accounts, it is in personal credit reporting.

It still shows the status of "overdue", and if it lasts for a long time, it will affect future loans. The following conditions are required for credit card interest suspension:

1. Confirm that the credit card debt exceeds the cardholder's ability to repay. For example, if the arrears are 100,000 yuan, the monthly salary of the party is only 5,000, and the arrears obviously exceed the ability to repay;

2. The cardholder should have the willingness to repay, and contact the bank in time after the overdue date, explain the reason, and negotiate a solution with the bank;

3. The cardholder must have a suitable reason, such as failure to pay off the arrears in time due to unemployment or illness.

The negotiation method of interest suspension and hanging account is as follows:

1. Special circumstances, such as hospitalization, unemployment, natural disasters, business failure, fraud and other special circumstances;

2. Confirm that the amount owed by the credit card exceeds the cardholder's ability to repay, which means that due to special circumstances, it is indeed beyond one's ability to repay, and the existing income is not proportional to the debt.

3. If the cardholder is still willing to repay, do not lose contact after the deadline, so that the bank can contact and repay the money more or less every month, which is the most effective proof of the willingness to repay, rather than maliciously overdue;

4. If necessary, you can seek assistance, such as mediation center, consumer protection, professional consultation institutions, etc.

Under special circumstances, if 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, the issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement may not exceed 5 years. The handling fee of different banks may be different, and the handling fee should be 3 per month.

You can deal with this yourself, but if you need to deal with the information and methods, it's private!

1. How to negotiate the suspension of interest and hanging accounts 1. Give an "irresistible" reason 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 to apply for personalized installments, so before applying, you must first 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 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.

2. What are the pros and cons of credit card interest suspension (1) Benefits 1. After the interest is suspended, the arrears can be repaid in installments to avoid the situation of interest rolling. 2. The interest-free account can be divided into 5 years of repayment at the longest to alleviate the repayment pressure, and the repayment will be made in accordance with the agreement every month. 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 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. 3. What are the consequences of malicious overdue credit card 1. 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. Subject to collection by banking institutions; 3. If the credit card is overdue for 90 days, it may also be sued by the banking institution.

The negotiation of interest-free accounts can be negotiated using these three methods:

1.Special circumstances will be handed over to the bank: such as illness and hospitalization, unemployment, natural disasters, business failure, fraud and other special circumstances, but it is not to say that it is okay to pay lip service, the bank pays attention to evidence, so it is necessary to give the certificate of special circumstances to the bank.

2.Confirm that the amount owed by the credit card exceeds your ability to repay, and provide the proof of income to the bank: for example, if you have a credit debt of 100,000 yuan and a monthly income of only 3-4,000, and you really have no way to repay the debt in the short term, provide your income certificate or salary statement to the bank.

3.Show the bank that there is still a willingness to repay: On the surface, the cardholder is still willing to repay, do not lose contact after the overdue, so that the bank can contact you, and repay some money more or less every month, which is the most effective proof of the willingness to repay, rather than maliciously overdue.

Even if you don't repay the money after the deadline, then you have to give the bank a reasonable explanation that the bank can accept.

Extended Information:1Interest-free accounting: It refers to a method in which the cardholder is unable to repay the loan within the specified time and within a short period of time, and the bank does not calculate interest on the amount owed, but the balance of the principal of the arrears and the interest that has not been repaid before are still recorded in the account in the cardholder's name.

2.Precautions for applying for interest-free accounting:

1) Actively face and do not evade: After the deadline, sincerely express your needs and attitudes to the collection, such as the cardholder's bad language, lying, loss of contact, etc., the probability of applying for interest suspension will be reduced.

2) Clarify the actual situation: Cardholders should take the initiative to contact the bank to explain their current economic situation, employment status, family difficulties, etc., so that the bank can truly feel the cardholder's difficulties.

3) Have a certain ability to repay: the bank agrees to negotiate the essence of being able to recover the arrears, and the cardholder must provide the corresponding work certificate and salary statement certificate to prove that he has a stable income**, and if he is given an installment, he will be able to repay the loan as agreed every month.

3.Consequences of interest suspension:

Interest-free accounts are generally used for bank loans, but they are also applicable to credit card businesses, but there are slight differences. Suspension of interest and overdue accounts will have an impact on personal credit, which will have a series of bad consequences.

1) Although you may not be overdue after the interest is suspended, you are also a dishonest customer in the eyes of the bank, and you will be rejected for credit cards, bank loans and other businesses.

2) Credit card withdrawal will be rejected, in the same way, some banks will check the credit information, that is, post-loan management, and your credit report appears to stop interest, indicating that your repayment ability is not good, naturally will not be easy to raise, maybe will be reduced.

It's okay to negotiate a credit card interest suspension on your own.

If the bank approves it, you can sign a deferred repayment agreement for personal housing loans and go through the relevant procedures, and the guarantor signs the deferred repayment agreement. The borrower can only apply for loan extension once, and the sum of the original loan term and the extended term shall not exceed 30 years, and when the original loan term plus the extended term reaches the new interest rate term grade, the loan interest will be charged at the interest rate of the new term grade from the date of extension. Interest accrued will not be adjusted.

1. What is the impact of interest suspension?

a) Pros: 1Avoid being collected by fancy tricks.

After applying for the suspension of interest and reaching a new repayment agreement with the bank, the bank will recognize the new relationship with the bank, and the scumbags will stop the endless fancy collection of us before, and return us and our families a relatively peaceful living and working environment.

2.Reduce interest on arrears.

After applying for interest suspension, you only need to repay the principal of the arrears and the interest generated before applying for interest suspension, and no longer generate revolving interest on the arrears, which can reduce part of the financial pressure.

3.Mitigate overdue circumstances.

Although the bank still lost some of its benefits, at least the principal and interest were not paid in vain, which is also an important act to alleviate the overdue circumstances. Finches.

2) Cons: 1Affect credit reporting.

When the cardholder or borrower is overdue and unable to repay the loan on time, he or she can apply to the bank for interest suspension, although the application may not be approved. But in order to avoid being collected by fancy collections, you should try more to reduce the overdue plot, in case you can pass it.

If the bank agrees to our application and reaches a new repayment agreement, if we can repay the loan on time, the interest suspension will leave a record on the credit report, which is similar to the overdue record, and the arrears need to be paid off, and the record will be automatically eliminated if it is no longer overdue within 5 years.

However, if there is an overdue account after applying for interest suspension, the consequences will be more serious, not only directly affecting credit reporting, but even suspected of credit card fraud, and will bear the corresponding legal responsibility.

2.It will affect the application for cards and loans in the future.

If you apply for an interest-free account, repaying according to the new repayment agreement means that you have failed to fulfill the previous repayment agreement, which is also a dishonest behavior, so it is very likely that you will be rejected if you want to apply for a credit card or loan in the future.

3.Affects credit card advances.

In order to avoid greater losses, the bank will not agree to the cardholder's application for a limit increase, not only will it not agree to the increase, but it will even reduce the limit.

You can find someone to handle the interest-free account, but it is generally an intermediary who helps to handle the business, which will involve whether there is a suspicion of fraud. If it is a formal institution, it is possible to help users to stop interest on their behalf. However, some institutions do not have the qualifications to operate, and the purpose is to defraud users' personal information, users need to be wary of these institutions.

Extended Materials. 1. What are the application conditions for China Merchants Bank's interest suspension and account suspension?

1. The suspension of interest is required to apply, and can only be implemented after the application is passed, otherwise the cardholder still has to repay in accordance with the original repayment plan, and the reason for applying for the suspension of interest is to be explained, and if the reason is not passed, it will not be passed.

2. Moreover, the longest period of suspension of interest cannot exceed 5 years, that is to say, the repayment plan cannot exceed 5 years, and all arrears must be paid off within 5 years.

3. The process of interest suspension and hanging of China Merchants Bank credit card is that the cardholder first calls the customer service of China Merchants Bank credit card**, and according to the actual situation of the individual, the customer service must explain the reason why the repayment cannot be made; After the bank agrees to the application for interest-free accounting, the cardholder must go to the designated business outlet to continue to sign a personalized repayment agreement. After signing the repayment agreement, the cardholder can choose a reasonable repayment plan according to his actual situation, and China Merchants Bank can also formulate a more detailed and comprehensive repayment plan for the cardholder.

2. How to apply?

The process of interest suspension and posting of China Merchants Bank credit card is that the cardholder first calls the customer service of China Merchants Bank credit card**, and according to the actual situation of the individual, the customer service must explain the reason why the repayment cannot be made; After the bank agrees to the application for interest-free accounting, the cardholder must go to the designated business outlet to continue to sign a personalized repayment agreement. After signing the repayment agreement, the cardholder can choose a reasonable repayment plan according to his actual situation, and China Merchants Bank can also formulate a more detailed and comprehensive repayment plan for the cardholder.

It should be noted that the customer service of China Merchants Bank credit card** is 95555, and after calling the customer service of China Merchants Bank**, the reason for not being able to repay is particularly important, and the customer service staff cannot be deceived casually.

1. It can lead to the rejection of the user's credit business in the future. Because interest-free accounts are also dishonest customers in banks, if the bank sees that there is an interest-free account in the user's personal credit report that has not been processed when reviewing the user's personal qualifications, it is likely to doubt the user's ability to repay and reject the user's loan application.

2. Affect credit reporting. In addition, although there is no need to pay interest during the suspension of interest, it is necessary to repay part of the principal and handling fee every month in accordance with the agreement, if the user does not repay on time as agreed, it will also be regarded as overdue, which will further affect the user's credit, and the bank will also collect the user.

3. Credit cards cannot be raised. After the suspension of interest on the account, the bank will not allow the user to raise the amount again because it does not have sufficient repayment ability and the borrowing risk is high.

Therefore, it is recommended that users must repay the loan on time after handling the interest suspension account to avoid unnecessary impact on themselves.

1. How serious are the consequences of overdue credit cards.

2. Unable to apply for a loan: credit card overdue, it is easy to get on the credit report, once the credit stain occurs, the bad overdue record will be kept for 5 years, and the serious overdue will be on the credit blacklist, and the follow-up may not be able to apply for a loan.

3. Pull into the blacklist: If the credit card is seriously overdue, the state will be blacklisted, restricting the cardholder's consumption and travel, and more seriously, it will affect the children's enrollment in high-end private schools.

4. Prosecution: If the credit card is overdue for three months, and the bank fails to repay it after two collections, the bank has the right to sue the cardholder and force the cardholder to return the arrears.