Legal analysis:

1. China Merchants Bank: Can be divided into 6-60 installments, interest-free installments, no reduction or exemption, stop collection

2. Shanghai Pudong Development Bank: Currently The policy is relatively good, there is a high probability of interest-free, and the period can be longer, especially for universal funds, the reduction and exemption is very large

3. Minsheng Bank: Basically, installments can be processed, but a down payment is required 0%-10%, interest-free installments for the remaining funds

4. China CITIC Bank: 5%-10% down payment required, interest-free installments for the remaining funds

5. China Guangfa Bank: some customers will receive exemptions , depending on the actual situation, the current installment requires a handling fee, which is about Qian San-Qian 5

6. China Construction Bank: There will be a certain interest on the installment, so the interest payment can be suspended

7. Agriculture Bank: Negotiation is difficult, the installment time is relatively short, and there is a certain amount of interest

8. China Everbright Bank: The policy changes in June are relatively large, and the interest rate installment needs to be overdue for more than 6 periods

9 .Bank of Communications: The policy is the best, and you can repay around 1,000 every month

10. Industrial Bank: The processing speed is the fastest, and the number of installments is relatively long

11 .Hua Xia Bank: General plan, interest-free for 12-60 periods

12: Industrial and Commercial Bank of China, processing speed is relatively slow, and the number of installments is relatively short

Legal basis:

< p>China Banking Regulatory Commission's "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 70 Under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, The card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. The content of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment cycle, method, currency, Date and repayment amount in each installment;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Cardholders will pay in personalized installments A commitment not to apply for a credit card from any bank before the relevant amounts in the loan agreement are fully settled;

(5) Rights, obligations and liability for breach of contract of both parties;

(6) Repayment Other matters related to payment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.