You can apply for interest exemption. Credit cards can apply for interest exemptions. Credit cardholders who want to apply for interest exemptions from the bank can negotiate with the bank's credit manager. Under normal circumstances, when cardholders go to the bank to negotiate for interest suspension or personalized installment services, it is difficult for the bank to agree, which means that the bank has to reduce its own income. However, cardholders can negotiate with the credit manager. They must first express their willingness to repay, and then show proof that they have a certain ability to repay. When a credit card is overdue for more than three months and the credit card bill exceeds the cardholder's ability to bear, there is room for negotiation. According to Article 70 of the "Measures for the Supervision and Administration of Credit Cards of Commercial Banks", if the cardholder is unable to repay but still has the willingness to repay, the bank should negotiate with the cardholder on an equal footing to formulate a personalized installment repayment plan. The interest-free repayment can be divided into 5 years and 60 periods, which greatly reduces the debtor's repayment pressure.