The suspension of interest payments can be suspended for up to 5 years, that is, users can repay in 60 installments. However, most users cannot apply for a 60-month deferment of repayment. After the user's credit card (debit card) or loan business is overdue, he or she can try to apply for an interest suspension. As for whether the application can be successful, the answer given by the bank shall prevail. If the application fails, the user must pay off the overdue balance as soon as possible.

In addition, suspension of interest payments can only extend the repayment time, but the overdue fact has already occurred, and the user's personal credit report will still be negatively affected.