Legal analysis: If the credit card is overdue and the credit card is overdue, the party can reach a personalized installment agreement with the bank and repay the loan of 10,000 yuan regularly. After the party's credit card is overdue, he can go to the bank for negotiation and inform the bank of the fact that he is unable to repay the debt. After review, the bank will generally agree to the party's request and let the party repay the 10,000 yuan in installments. After the agreement is reached, the parties concerned shall repay the arrears on time.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 70: Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's ability to repay, and the cardholder is still willing to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years. The content of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment cycle, method, currency, Date and repayment amount of each installment; (3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) The cardholder has not fully settled the relevant amounts in the personalized installment repayment agreement. You are not allowed to apply for a credit card commitment from any bank before clearing the payment;

(5) Rights, obligations and liability for breach of contract of both parties;

(6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collections from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.