After the overdue period, negotiate with the bank to stop the interest payment installment, stop the increase of interest liquidated damages, stop the disturbance of collection, and avoid litigation due to the bank's determination of malicious overdue after the overdue period. After the credit card is overdue, the interest can be stopped and the repayment can be made in 60 installments at most. Once the negotiation is successful, every penny returned by the card holder will directly offset the principal of the credit card, without additional interest. After the agreement is reached, the bank will judge that the cardholder is willing to repay, and will stop collecting and unnecessary interest liquidated damages at the same time, which also avoids legal liability, which greatly reduces the pressure on the cardholder to repay.
 What are the consequences of suspending interest on credit cards?
 A credit business cannot be carried out after the credit card is suspended.
 If the cardholder applies to the bank for an interest suspension account because he cannot repay the credit card, there will be some adverse consequences. The biggest impact is that he cannot carry out a credit business.
 That is to say, it is impossible to carry out any loan activities, because the interest suspension on account is a dishonest customer, and the corresponding bank has a clear registration, so the bank will restrict the development of these businesses. In addition, the amount cannot be withdrawn during the period of interest suspension, and the credit card limit is fixed during the period of interest suspension.
 To sum up, the credit card interest suspension on account policy includes: the interest suspension period is longer than 60 periods, overdue interest expense reduction, overdue time requirements, and down payment requirements for the account suspension period. I hope it is helpful to you. Law of the People's Republic of China on Commercial Banks
 Article 37 A commercial bank shall conclude a written contract with the borrower for a loan. The contract shall stipulate the loan type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties deem necessary