1, collect. The down payment will involve Minsheng Bank, China CITIC Bank, China Everbright Bank and Ping An Bank. The common down payment amount is 10% of the total amount owed.

2. It should also be noted that if you want to apply for deferred repayment, you can declare that you are not malicious. In view of the cardholder's positive performance and good credit record in the past, banks often agree and negotiate with the cardholder the repayment plan, term, interest discount and monthly repayment amount acceptable to both parties. In this way, if you take the initiative to contact the bank and the bank agrees to postpone the repayment, you will not be recorded in the bad record, but it should be noted that you will be guaranteed to repay the loan as agreed in the future.

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.