Of course. The reserve fund of a credit card, like a credit card, is paid off before the final repayment date according to the bill amount after the bill is issued. Then when the credit card bill is not paid back, you can apply for 1-2 months deferred repayment. This is the bank's deferred repayment policy. If the bill cannot be paid after the extension expires. Then you can only choose overdue and negotiate with the bank to repay the remaining principal in installments again. Moreover, installment repayment can be negotiated for another five years at the longest, which can reduce a lot of repayment pressure.