First, contact the bank or credit card issuer to indicate that you want to negotiate installment repayment.
second, explain your financial situation and why you can't repay the arrears in one lump sum. Provide detailed financial information, including income, expenditure and liabilities, so that the bank can better evaluate your repayment ability.
thirdly, put forward your proposal on installment repayment plan. According to your financial ability and willingness to repay, put forward a reasonable installment repayment plan and explain the guarantee that you can repay on time.
fourth, accept the bank's evaluation and negotiation. The bank may evaluate your repayment ability and give you suggestions to modify or supplement the scheme. You need to further communicate and negotiate with the bank to reach a mutually satisfactory installment repayment agreement.
to sum up, if you want to negotiate the installment repayment of your credit card overdue for 2 years, first contact the bank or credit card issuer to explain your financial situation clearly and put forward a reasonable installment repayment plan. Then, accept the bank's evaluation and negotiation, and conduct further communication to reach an installment repayment agreement.
Extended information:
According to the relevant laws of China, banks or credit card issuers have the right to pursue your repayment responsibilities by legal means after your overdue repayment. However, the laws of China also allow debtors and creditors to negotiate and negotiate to reach an agreement on installment repayment. According to the situation and specific circumstances of both parties, the specific details of installment repayment will be different. But in any case, it is necessary to solve the problem of overdue repayment through active communication and consultation with banks.
Please note that the information provided above is for reference only, and the specific negotiation and installment repayment arrangement may be different due to bank policies and personal circumstances. I suggest that you be honest and patient when negotiating with the bank, and understand the relevant laws and regulations, so as to better safeguard your rights and interests. If you need further help and consultation, I suggest you consult a professional or seek legal aid.