the only way to apply for the suspension of credit card overdue is to apply to the bank. You can contact the official customer service phone of the bank credit card center after the overdue period, and then transfer the manual service according to the voice prompt, and apply to the customer service for suspension of credit card overdue.

for eligible cardholders, the customer service will handle the application for stopping interest and hanging accounts for users after completing personal identity verification, and then the cardholders only need to wait for the system to pass the examination.

according to article 7 of the measures for the supervision and administration of credit cards of commercial banks issued by the China banking regulatory commission, it is clearly stipulated that under special circumstances, if it is confirmed that the amount of credit card arrears exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which shall not exceed 5 years, that is, 6 installments.