According to the relevant regulations, the cardholder can negotiate with the issuing bank to form an installment repayment agreement and repay the loan according to the relevant agreement. If you owe a credit card, you can negotiate with the bank. Unless you have been accused of malicious overdraft by the bank and have filed a lawsuit, you can apply to the bank without charging annual fees, interest, late fees and other fees when negotiating with the bank. The bank will sign a personalized installment repayment agreement according to the specific circumstances of the debtor.