Step 1: Go to the bank card center of the municipal branch where you hold a credit card and submit an application for credit card principal negotiation;

Step 2: The staff will fully settle your credit card arrears and calculate the related expenses such as principal and interest that should be repaid;

Step 3: the staff will ask you to return the current interest and other related expenses, and you will return them to the bank counter with relevant vouchers;

Step 4: After the repayment, the staff will sign a principal repayment plan with you, and choose the number of months to repay the principal and the monthly repayment amount. After signing, the principal will be returned in the following month as agreed.