I was sued for two years for credit card debt. Now I am negotiating with the bank. As long as the bank agrees, I can make an installment payment. If the bank disagrees, repayment is required.

Legal basis "General Principles of the People's Republic of China and Civil Law"

Article 108 Debts must be paid off. If the debt is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. If the person has the ability to repay and refuses to do so, the People's Court shall make a judgment to force repayment.

"Civil Procedure Law of the People's Republic of China"

Chapter 20

Application and Transfer for Execution

Chapter 20 Article 236 The parties concerned must fulfill any legally effective civil judgment or ruling. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement.

Mediation letters and other legal documents that should be executed by the people's court must be performed by the parties. If one party refuses to perform, the other party may apply to the People's Court for enforcement.