Suspending interest and hanging accounts refers to a way to apply to the bank to suspend interest calculation and hanging accounts after the credit card is overdue. To apply for interest suspension and pending debit, you can follow the steps below:

1. Contact the bank: First, contact the bank to which the cardholder belongs. You can communicate by phone, online customer service, or in person at a bank branch.

2. Explain the situation: Explain your personal financial difficulties to the bank staff, honestly tell the reasons why you cannot repay your credit card debt on time, and provide relevant proofs, such as income certificates, medical reports, etc.

3. Submit an application: Express your wish to apply for a suspension of interest rates to the bank and fill in the corresponding application form. Depending on bank policies, additional documentation or materials may be required.

4. Waiting for approval: After submitting the application, you need to wait for the bank's approval. The bank will evaluate the individual situation and determine whether the conditions for suspension of interest payments are met.

5. Obtain the result: Once approved by the bank, the cardholder will be informed of the specific operational details of suspending interest calculation and suspending debits, including the time range for stopping interest accrual and suspending debits.

In summary, to apply for a suspension of interest payments, you need to contact the bank and explain the reasons for personal financial difficulties, submit the application and wait for the approval result. An interest suspension will suspend the accrual of interest on the credit card and allow the cardholder to temporarily not need to repay the balance for a certain period of time.

Extended information: Interest suspension is a temporary burden relief measure for credit card holders with heavy debts. The bank will evaluate the cardholder's actual situation, such as financial difficulties, illness, etc., to decide whether to approve the suspension application. This measure can help cardholders relieve financial pressure, but it requires repayments to resume normal within the specified time.

Note: The above answers only apply to the Chinese credit card market and follow relevant policies and procedures. Specific steps may vary from bank to bank, and cardholders are advised to consult their bank's requirements and procedures when actually applying.