According to Article 206 of China's Contract Law: "The borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. " Therefore, if you fail to repay the loan as agreed with the bank, the bank can claim its rights through litigation. As for whether it can be repaid in installments, it needs the consent of the bank. If the bank agrees, you can repay the loan in installments. If the bank does not agree, you should repay the loan according to the agreement signed with the bank. Besides, you owe a lot of money on your credit card. If you don't repay the loan within the time limit, it can also constitute the crime of credit card fraud. I suggest you contact the bank for repayment in time.