1, the cardholder is willing to repay. It means that the cardholder negotiates with the bank before the deadline, rather than changing the contact information to avoid bank collection.

2. As confirmed by the bank staff, the cardholder's credit card arrears have exceeded the cardholder's repayment ability.

3. Cardholders need to have legitimate and reasonable reasons to apply for suspension of payment, such as unemployment and illness. If the above conditions are met, you can apply for suspension of payment.