1. Call the customer service hotline of China Merchants Bank. According to the actual situation, explain the reasons for the failure to repay the loan in time, and show that you are not malicious in overdue and have the willingness to repay, and submit an application for suspension of suspended debt.

2. If the bank recognizes the user's application reason, it can handle the suspension of interest and account suspension in accordance with the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" and needs to sign a personalized repayment agreement with the bank.

3. Just choose the appropriate repayment plan.