Generally, the loans of rural credit cooperatives are due to repay the loan principal and interest. If the borrower fails to repay the loan due, it can indeed apply to the rural credit cooperatives for repayment by installments.

According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card 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.