The requirements for personalized staging are: 1. It has been determined that the amount owed exceeds the debtor's repayment ability. 2. The cardholder has the repayment ability of installment repayment. 3. Provide reasonable proof materials. For cardholders who apply for "personalized installment" through consultation, banks need to submit relevant materials, such as: entity business failure, hospitalization medical certificate, local family change certificate, etc. These specific requirements are different for each bank. Cardholders should remember to provide true materials when applying, so as to avoid being investigated and affecting personal credit information.

Personalized installment refers to the repayment form that the borrower can't repay the credit card after it is overdue for some special reasons, and negotiates with the bank according to his own economic situation.

This personalized installment form is to allow borrowers to repay as much as possible, but it cannot change the nature of overdue. After all debts are paid off, overdue records will be kept for five years.

Personalized staging is a loss for banks. Therefore, general banks will strictly review the financial status of cardholders, and only users who truly meet the standards can apply for personalized installments.