You can call the customer service phone of the credit card head office to negotiate. In the process of negotiation, you should pay attention to the fact that you can't make a clear repayment to the bank, which means that you didn't intentionally delay the payment. It is best to provide some information as evidence first, and then take the initiative to repay the loan, and the bank will consider it as appropriate. Apply for personalized installment payment yourself. The bank's negotiator will contact you in about 3 working days after telephone communication with customer service. Then according to the requirements of the other party, upload the information needed for the negotiation in stages. After approval, a personalized installment repayment agreement can be signed.

If the negotiator disagrees with and refuses his request to stop paying interest, he can complain to the banking regulatory bureau, reflecting that the bank is unwilling to negotiate repayment on an equal footing when the cardholder is unable to repay. According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, cardholders can only apply for a stop payment account if they are unable to repay.

Will the suspension of interest payment affect personal credit information?

Will affect.

Stop account is a personalized installment repayment provided by the bank for cardholders who have the ability to repay without compensation and are willing to repay. The maximum term is 5 years.

The prerequisite for stopping interest payment is that the bank recognizes the user's ability to repay without compensation. Under normal circumstances, the designated credit card users have been seriously overdue, but the bank has not collected them in time. This is a desperate measure taken by banks to avoid rising bad debt rate. After the cardholder applies for suspension, during the suspension period, the customer only needs to repay the loan as agreed, and no interest will be generated. However, in the credit investigation, it will be shown as bad debts until the payment is cancelled.