As far as the current situation is concerned, not everyone can apply for suspension of payment. It is necessary to assess that the amount owed by the cardholder exceeds his repayment ability, and the cardholder must have a strong willingness to repay and meet these two conditions before the user can apply for suspension of payment. In fact, the application method is not difficult. Here is a brief introduction:

First of all, the cardholder should call the issuing bank before the final repayment date, and then explain to the customer service staff that he is not maliciously overdue, and explain why his credit card is overdrawn but not returned in time. I suggest you explain according to the actual situation.

If the bank recognizes your reasons, then you can ask the bank to sign a personalized repayment agreement in accordance with the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.