At present, the main participants in this down payment are Minsheng Bank, China CITIC Bank, China Everbright Bank and Ping An Bank. The common down payment amount is 10% of the total amount owed. Banks are basically reluctant to negotiate personalized staging, and whether the person you communicate with is a bank employee or an employee of a third-party outsourcing organization, you should find out his identity. You can give the down payment, but you can't.

Adjusting staging is also called personalized staging. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement.