If you cannot afford to pay back your CCB credit card, you can negotiate installments, but you must proactively negotiate with CCB after the credit card is overdue. Under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability, the cardholder will still Only when there is a willingness to repay, CCB can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement.

If the conditions are met, the cardholder can follow the following steps to negotiate installment payment with the bank:

Proactively contact the CCB Credit Card Center, call the customer service hotline, and explain that you want personalized installment repayment appeal and apply for personalized installment business.

Provide relevant certification materials online, such as poverty certificate, disease certificate, etc., to prove your ability and willingness to repay.

Waiting for the bank's review, the bank will evaluate whether to approve the cardholder's application based on the cardholder's comprehensive situation and notify the application result.

If the application is approved, the cardholder needs to sign a personalized installment repayment agreement and repay in accordance with the agreement.

It should be noted that the maximum period of a personalized installment agreement shall not exceed 5 years. During the agreement period, the bank will stop collections and will no longer calculate penalty interest and liquidated damages, but the amount owed must be paid off in one lump sum during the agreement period.

In addition, if the amount owed is large and overdue for a long time, the bank may take legal measures to collect it. Therefore, it is recommended that cardholders negotiate with the bank as soon as possible to avoid incurring more interest and late fees when overdue payments occur.