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class=" row"> <div class="col-md-17 bb" style="margin-top:20px;"> <div class="work-details-content" > <div class=" "> <div class=""> <div class="work-show-box" style="margin-top:0px; padding:10px"> <div class="wangEditor-container" style="border:none;"> <div class="wangEditor-txt" style="padding:0px;"> <p style="text-align: center;"><img src="https://img.hongjibp.com/updata/images/信用卡逾期怎样协商才能还本金信用卡逾期如何协商还款以减少本金负担？.jpg" title="信用卡逾期怎样协商才能还本金，信用卡逾期：如何协商还款以减少本金负担？" alt="信用卡逾期怎样协商才能还本金，信用卡逾期：如何协商还款以减少本金负担？"></p> <p><h2>中信逾期了怎样才能还本金</h2></p> <p><FONT color=#FFCC66>中信逾期是指借款人未按期还款，导致借款本金未偿还的情况。要还清逾期本金，一般有以下几种方式：</FONT></p> <p><span style="background-color:#00CC00;">1. 定期还款：借款人按照合同约定的还款日期和金额定期还款。这是最为常见的还款方式，也是最为稳妥可靠的方式。借款人应通过设定自动扣款或者设置提醒等方式确保按期还款，避免逾期问题的发生。</span></p> <p><span style="background-color:#00CC00;">2. 砍头息还款：砍头息还款是指借款人先偿还逾期利息，再还本金。逾期利息是指因未按时还款而导致的违约金或罚息，通过返还这部分费用，可以减轻逾期行为带来的损失。</span></p> <p><span style="background-color:#00CC00;">3. 分期还款：借款人可以与中信银行协商，将逾期的本金分期还款。这样可以分散还款压力，帮助借款人更好地还清逾期本金。</span></p> <p><span style="background-color:#00CC00;">4. 债务重组：如果逾期本金较大，借款人可以与中信银行商讨债务重组的方案。债务重组是指将原本的<a style='color:#2f2f2f;cursor:pointer;' href='http://www.hongjibp.com/laws-9166.html'>借款合同</a>重新进行协商，延长还款期限或者调整利率，以减轻借款人还款负担。</span></p> <p>无论采取哪种还款方式，借款人都应尽量与中信银行主动沟通，并及时与中信银行联系，说明自己的还款意愿和能力，并提出相应的还款方案。另外，借款人还应提高自身还款意识，遵守合同约定，按时还款，以免进一步陷入负债困境。</p> </div> </div> </div> </div> </div> </div> <hr> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-2056282.html" title="网商贷协商还款要怎么说才能协商-网商贷协商还款要怎么说才能协商呢">网商贷协商还款要怎么说才能协商-网商贷协商还款要怎么说才能协商呢</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-09-18 00:39</span> <p class="xgzsms">网商贷协商还款要怎么说才能协商 随着互联网金融的快速发展，网商贷作为一种新型贷款产品，越来越受到广大客户的青睐。然而，在网商贷还款过程中，有时会出现还款困难的情况，此时，协商还款就显得尤为重要。那么，网商贷协商还款要怎么说才能协商呢？本文...</p></div> 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