Users can call the bank or contact customer service in other ways to negotiate with the bank. First of all, explain what your situation is, why you can't repay in time, and then apply, and the bank will approve it. If the approval is not passed, you must repay as soon as possible to prevent personal credit information from being affected.

What are the benefits of stopping paying bills?

Benefits: It can relieve the pressure of the repayment person to a certain extent. Debtors who stop interest can repay by installments without overdue interest, which can avoid the situation that debts cannot be repaid in a short time, resulting in more and more debts. But be sure to repay in time to avoid overdue.