I owe 7,000 on Ping An’s credit card and said that I can settle it as long as I pay back 2,500, which is unreliable.

For bank credit card repayments, you should pay back as much as you owe before it can be settled. It is impossible to settle the debt by paying back 2,500 for 7,000. This cannot be negotiated.

So this statement is unreliable.