If you owe 400,000 on a credit card, you cannot repay it over ten years.

The debt owed to the credit card can be repaid within five years through negotiation, because under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the card-issuing bank will You can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of the personalized installment repayment agreement shall not exceed 5 years.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.