If you are temporarily unable to repay the debt, you can explain the situation to the bank and apply for installment repayment.

Of course, don’t think that it will be fine if you don’t have the money to repay the debt. The bank still has contact with many law firms, and they will use legal means or other forceful means to recover what the bank should have. The bank's ultimate goal is to recover his money, principal and interest. Don't go to this step unless you have to, otherwise the bank will sue you, and going to jail will not solve the problem of money you owe. Moreover, your credit limit will be included in the bank system database, making it very difficult for you to ask the bank for help in the future.