Legal analysis: During the epidemic period, you can apply for deferred repayment. The notice on further strengthening financial support to prevent and control the pneumonia epidemic in novel coronavirus makes it clear that during the prevention and control of the "novel coronavirus" epidemic, those who have no income and are affected can delay returning their credit cards.

Repayment arrangements can be adjusted for four categories of personnel:

First, hospitalized or isolated persons or their spouses due to new pneumonia;

Second, it is necessary to isolate observers or spouses for epidemic prevention and control;

Third, the staff involved in epidemic prevention and control;

Fourth, people who have temporarily lost their income sources due to the epidemic.

Among them, for the first three categories of personnel, if they fail to repay in time due to the epidemic situation, it will not be regarded as a breach of contract, and the credit record will not be submitted to the overdue record; For the fourth category of personnel, credit records will be submitted according to the adjusted repayment arrangements, but overdue records before the adjustment of repayment arrangements will be submitted in principle.

Legal basis: Notice on Further Strengthening Financial Support to Prevent and Control Pneumonia in novel coronavirus (XIV) Effectively protect the rights and interests related to public credit investigation. Branches of the People's Bank of China and access institutions of financial credit information basic database should properly arrange credit inquiry services and guide the public to conduct credit inquiry through the Internet and self-service inquiry machines. It is necessary to reasonably adjust the submission of overdue credit records. For those who are hospitalized or isolated due to new pneumonia, those who need to be isolated for epidemic prevention and control, and those who participate in epidemic prevention and control, if they fail to repay in time due to the impact of the epidemic, the relevant overdue loans may not be submitted as overdue records, and those that have been submitted shall be adjusted. Individuals and enterprises that have temporarily lost their sources of income due to the epidemic can submit their credit records according to the adjusted repayment arrangements.