协商在英语中通常表达为 "confer with sb. on sth."。这是指为了取得一致意见而共同商量。在具体场景中，如与银行协商还款，可以采用以下话术：
1. 表达歉意和诚意：
```
"Hello, I'm calling from [Bank Name] to express my sincere apologies for the inconvenience my overdue payment has caused. I understand the importance of timely payments and I am committed to resolving this issue."
```
2. 提供还款计划：
```
"I would like to propose a repayment plan that I believe will meet my financial capabilities. This plan includes a detailed breakdown of the repayment amount and the proposed repayment schedule."
```
3. 请求减免利息或罚款：
```
"Given my current financial situation, I would like to request a temporary hardship adjustment, such as a reduction in interest or a waiver of late fees."
```
4. 保持良好沟通：
```
"I am open to any suggestions you may have to help me manage my payments more effectively. I am committed to maintaining a positive and constructive dialogue with you."
```
5. 争取协商：
```
"I am willing to explore all possible options to settle my debt, including installment plans, additional fees, or even paying penalty interest. I believe that preserving my credit is of utmost importance."
```
在与银行协商时，保持诚恳、明确的目标，并提供充分的证据支持你的还款计划，可以增加协商成功的可能性。