No need. CITIC Bank has different schemes according to different debtors, assuming that the cardholder's credit card debt is tens of thousands of yuan. During the negotiation, CITIC Bank asked for a lower limit, and would ask for a deposit of 10% before agreeing to negotiate personalized installment payment with you. If the debt amount exceeds 50,000, CITIC Bank will also make a request at the initial stage of negotiations. You must pay a down payment of 10% before you can negotiate personalized installment. However, a personalized installment agreement can be reached through negotiation, without paying a deposit of 10%.