Yes.

1. First of all, you need to proactively contact the Shanghai Huarui Bank credit card institution and clearly explain your personal debt situation and income to the Shanghai Huarui Bank credit card institution.

2. Secondly, prove the debt, and then provide the Shanghai Huarui Bank credit card institution with a detailed repayment plan, such as determining the number of installments based on income, how much to repay each installment, etc.

3. Finally, the repayment can be negotiated.