The bank’s credit card negotiation department does not want to apply for a exemption template.

The Pudong Development Credit Card Negotiation Department is a department set up by the bank to deal with overdue users. If a user is overdue, he or she can proactively contact the Pudong Development Credit Card Negotiation Department to explain his or her financial situation and repayment plan, and apply for exemption or reduction. Plans such as partial interest or deferred repayment.

Users do not need to provide any templates or application forms, they only need to express their wishes and plans orally or in writing.