China Merchants Bank credit card negotiates personalized installments, and the maximum term is 5 years and 60 months to repay. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the card-issuing bank may contact the cardholder Negotiate on an equal footing and reach a personalized installment repayment agreement. The maximum term of the personalized installment agreement is that it can be repaid in 5 years and 60 months, which can reduce the pressure of repayment, stop the increase in monthly penalty interest, stop collections, avoid prosecution, and return to normal work and life.