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信用卡逾期与银行协商不同意怎么办
释义
基本上在和银行协商的过程中,一开始是不会轻易同意的。此时可以搬出《商业银行信用卡监督管理办法》第七十条,大致意味着债务人在特殊情况下无法偿还,债务人仍有偿还意愿。银行可以与债务人平等协商,个性化分期协议最长还款时间不超过60期。如果银行仍然不同意,可以起诉银监会。
注意在接收催收电话和后期沟通协商电话时记录所有通话。催收电话可以有选择地接听,只要保证没有失去联系。在沟通的过程中,要说清楚自己不是不愿意还,不要说不还,不要把把柄留在别人手里,这样这些录音就可以作为投诉的证据。
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更新时间:2026/2/12 9:27:28