1. There is no handling fee for stopping payment, because stopping payment is mainly a form of installment repayment for those who are unable to repay overdue debts.

2. This is not interesting. You just need to pay back in installments on time every month, and there are no other procedures. However, if you stop the order, it will still affect your credit information.

3. After the interest payment is stopped, the balance of your arrears will not generate cyclic interest, but the interest generated in the past will not be eliminated, but will be hung in your account together with the principal of the arrears, or repaid. As for how to pay it back, you can negotiate with the bank.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.