If there are difficulties, you can ask the village committee and neighborhood committee to issue a report on the difficulties according to the difficulties, contact the bank to provide a proof report on the difficulties, and negotiate interest-free installment or deferred repayment.

: If there is a service fee for the installment repayment of bills through China Merchants Bank, we will provide cardholders with a variety of installment options, including 2, 3, 6, 10, 12, 18, 24 and 36. The service fee rate for a single installment is 0% ~/kloc-0.

You don't need to apply for credit card interest-free repayment. You only need to know the billing date and repayment date of the credit card. It does not mean that the credit card is swiped after the billing date, and the repayment before the repayment date is an interest-free period. Interest-free repayment is to negotiate with the relevant departments of the credit card issuing bank when the credit card user has no repayment ability. Only with the consent of the banking department can interest-free repayment be made. Banks are more humane and will generally agree if it is really difficult.