First of all, cardholders need to pay attention to the fact that after the credit card is overdue, the bank does provide personalized installment service. However, not all overdue people can apply successfully, and cardholders must maintain a good attitude and willingness to repay in the process of being collected. In the process of negotiation, we need to pay attention to the ways and means, and make it clear to the bank that we have a good willingness to repay, but our ability is insufficient now.

Secondly, cardholders need to take the initiative to apply to the bank. For each day overdue, the bank can charge an additional fine. Most banks will not take the initiative to negotiate installment repayment with cardholders.

In addition, if the cardholder is overdue due to some objective factors of a third party, according to the regulations, the bank needs to agree to the cardholder's personalized installment repayment request on the premise of meeting the requirements. The so-called objective factors of the third party actually refer to bankruptcy, entrepreneurial failure, family treatment and so on. It is difficult for banks to negotiate without special reasons.

Of course, banks also need cardholders to show relevant certificates. For example, serious illness cases, bankruptcy formulas, and proof of difficulties of communities or village committees.

After successful staging, the specific staging times are related to the applicant's situation. The worse the staging, the longer the staging time. Some people are divided into 60 installments, and suddenly they have money halfway, so they can pay it back in advance.

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