Yes. According to the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", the maximum period of a personalized installment repayment agreement shall not exceed 5 years. Suspension of interest is also called "personalized installment" in commercial banks. According to Article 70 of the National Bank Supervision and Administration Measures for Commercial Credit Card Business, under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder If the person is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement.