yes. According to the query of Sohu News Network, before personalized staging, customers need to apply to the bank and provide necessary personal information and income proof. Personalized installment repayment of credit cards must be based on the fact that the credit card is overdue, resulting in overdue interest, and the cardholder can't fulfill the repayment obligation, so he has no choice but to negotiate with the bank to re-establish the repayment agreement in line with his own economic situation.