信用卡逾期后还不起怎么办-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	信用卡逾期后还不起怎么办
释义	其实银行还是很人性化的，当出现逾期实在还不起的情况，还是有办法可以解决的。 1．申请个性化分期还款。持卡人可以根据自己的实际收入，来和银行协商出一个双方都能接受的还款计划。最主要的是让银行看到持卡人的收入稳定，有可收回欠款的希望，才有利于协商。 2．申请停息挂账。如果经济确实困难，连个性化分期都不能支撑还款的话，可以尝试申请停息挂账。在申请前，持卡人一定要明确自己名下并无其他财产可以用户抵押欠款，且有贫困证明等官方盖章确认的经济困难材料。
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