Legal analysis: depending on the specific situation. Can apply for special reasons. After "negotiation", the credit card arrears are likely to be reduced, but only if you really want to repay and take practical actions. The specific amount of relief depends on everyone's situation. The late payment fee refers to: (1) for those who fail to pay taxes or repay according to the repayment deadline, a certain percentage of overdue payment will be added according to the number of days of overdue payment; (2) It is a measure for tax authorities or creditors to give economic sanctions to overdue parties.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.