You can apply for deferred repayment on your credit card. If the cardholder cannot repay on time due to special reasons, he or she can apply to the bank for an extension of repayment, but not all banks agree. The actual regulations of the relevant bank shall prevail.

Banks usually consider the customer's card situation to decide whether to accept an application for deferred repayment. The deferred repayment time cannot be too long, and the longest cannot exceed the next statement date.

Users who apply for deferred repayment need to have good repayment habits. This is the first time that it cannot be repaid within the stipulated time, but if the user's repayment habits are not very good, it is unlikely to pass the application.