Must meet these three conditions:

1, is indeed a limited economic capacity resulting in the inability to repay, but not by verbalizing, no matter how much to say their own pitiful, the bank is to look at the evidence, so you need to provide information to prove that the current economic income, the name of the property, the current indebtedness, etc. Ability. The bank will verify the evidence when it gets it and then consider it at its discretion.

2, the credit card is not on the must not dodge the collection, if through the lost contact, change the number of the bank can not be contacted, the bank sued and then come to the negotiation of the interest rate suspended accounts, this situation is probably not, the bank in all probability will not be accepted, don't ask why, this is the most basic trust.

3, stop interest pending is established in the repayment of the premise of the will, although it may indeed not be able to pay off all the arrears, but after the overdue has been repayment, this practice will also be recognized by the bank. To make an analogy, a penny is not paid back, and the ability although limited but efforts to repay, the bank naturally give the second kind of people the opportunity.

Suspension of interest pending three major conditions, you understand?

The three conditions of credit card suspensions

1, to confirm that credit card arrears exceed the ability of the cardholder to repay: for example, you owe 200,000 yuan, but the monthly income of only 5,000 yuan, which is obviously owed in excess of the ability to repay the performance of the card.

2, the cardholder to have the will to repay: this refers to the overdue before immediately communicate with the bank, and negotiation, rather than repayment immediately on the replacement of contact information, to avoid the bank collection.

3, to give the right reason: due to external factors caused by the failure to repay the loan by the repayment date, because of unemployment or illness and other reasons.

Meet these two conditions of the cardholder, you can directly call the card issuer customer service, to customer service to explain their non-malicious late, and tell their credit card is not on the reason and then have to go through the bank recognized. As long as the bank recognizes your reasoning, the suspension of interest hanging accounts will be half successful.

After the bank agrees to suspend interest, you have to sign a personalized repayment agreement with the bank in accordance with the "Supervision and Administration of Credit Card Business of Commercial Banks".

In the personalized repayment agreement, it is important to agree on the repayment cycle, the specific repayment date, the amount of each repayment, as well as the annual fee, interest and other fees. Here it is recommended that the bill be repaid in five years***60 installments, which can reduce a lot of financial pressure.

The above is the "credit card interest rate suspension pending conditions" related to the introduction, I hope to help you. If you can't get your credit card back, and you can't find the money to pay for it, then the suspension of interest is definitely the best solution, but of course, the premise is to get the consent of the bank.

Why don't banks agree to debtors suspending interest on pending accounts?

The intention of the bank to issue credit cards is to make a profit, not a public good, and the part of the credit card that makes a profit includes the interest, the annual fee, the handling fee for withdrawing cash and swiping the card, the interest and handling fee for the installment, the penalty and the penalty interest, etc.

This is the first time that a bank has issued a credit card.

2, the cardholder in the credit card, there is a contract, the cardholder credit card late itself is a breach of contract in the first, so the initiative is in the hands of the bank.

3, stop interest pending means that the interest stops, the recovery of arrears of the cycle is longer, but also increases the risk of bad debt and secondary collection.

If you want to stop interest pending, the cardholder should do the following three points:

Obviously, the bank will not easily agree with the debtor to stop interest pending, but a lot of things, do not go to do and how to know it? The more you call the bank to negotiate, entrusted third-party organizations to negotiate, but the premise that we need to show sincerity, suspend interest pending account is possible to apply for success.

First, the face of the collection can not escape, the phone between the cardholder and the bank collection are recorded, if the cardholder itself in the collection period, the language is bad, lying, lost, etc., then in this case you apply for a suspended suspended accounts of the chances are greatly reduced.

Secondly, the actual situation, not the bank does not collect on you, you do not care, they should take the initiative to contact the bank, explain their current economic situation, the state of unemployment, family difficulties and so on. Let the bank also effectively feel the cardholder's difficulties

Third, take the initiative to contact the bank, they put forward the demand for interest rate suspension and staging, clearly tell the bank how much they earn, how long to start repaying, the maximum number of repayments, how many want to remember not to ask for a lot of money, say some unrealistic words, for example, you owe $ 10,000, you said you want to repay in 60 installments, unrealistic, and the bank is also disgusted.

If you want to know more about the details of the suspension of interest hanging accounts, such as words, specific practical, how to 200,000 bills, 60 repayment, only the principal does not pay interest, but also to help you repair credit!

You can contact the owner, will help you do a case study for your situation, to help you solve the debt problem early

Credit card interest rate suspension pending conditions: three conditions a can not be less

Many of the card users credit card can not be paid on, everywhere in the online posting advice to solve the problem, want to know how to do to borrow money to pay back. And I found that there are a lot of God recommended credit card interest suspended pending this practice, through the negotiation with the bank signed a personalized installment repayment agreement, to avoid late and collection, while easing the pressure of their own repayment. So, what are the conditions for credit card suspensions? Here's a look to find out.

The three major conditions for credit card suspensions

1, to confirm that the credit card debt exceeds the ability of the cardholder to repay: for example, you owe 200,000 yuan, but the monthly income of only 5,000 yuan, which is obviously owed more than the ability to repay the performance.

2, the cardholder to have the will to repay: this refers to the overdue before immediately communicate with the bank, and negotiation, rather than repayment immediately on the replacement of contact information, to avoid the bank collection.

3, to give the right reasons: due to external factors caused by not according to the repayment date to return the loan, because of unemployment or illness and other reasons.

Meet these two conditions of the cardholder, you can directly call the card issuer customer service, to customer service to explain their non-malicious late, and tell their credit card is not on the reason and then also through the bank recognized. As long as the bank recognizes your reasoning, the suspension of interest hanging accounts will be half successful.

After the bank agrees to suspend interest, you have to sign a personalized repayment agreement with the bank in accordance with the "Supervision and Administration of Credit Card Business of Commercial Banks". In the personalized repayment agreement, it is important to agree on the repayment cycle, the specific repayment date, the amount of each repayment, as well as the annual fee, interest and other fees. Here we recommend that the bill is divided into five years **** sixty installments of repayment, which can reduce a lot of economic pressure.

The above is the "credit card interest rate suspension pending conditions" related to the introduction, I hope to help you. If you can't pay your credit card back, and you can't find the money to pay it back, then the suspension of interest is definitely the best solution, but of course the prerequisite is to get the consent of the bank.

What are the application requirements for suspending a pending account?

The bank's conditions for suspension of interest:

1, it has been confirmed that the amount of money owed is clearly beyond the repayment ability of the debtor

2, the debtor should have the will to repay the premise, before the overdue initiative and the bank to negotiate and communicate

3, there is a reasonable reason, such as due to external factors lead to failure to repay the money on time, due to unemployment, illness and other reasons.

The above is not as long as you can not pay or do not want to pay, or overdue the debtor can apply to the suspension of interest pending, and the bank will not generally agree to negotiate with you.

But some of the debtors because of special reasons that led to the inability to repay the words, the bank will also agree to suspend the interest hanging, this suspension of interest hanging is not a short-term do not pay, is still need to pay, but also in accordance with the agreement on the repayment on schedule to be able to do.