Personalized installment repayment of Bank of Communications means that the cardholder is temporarily unable to repay the debt owed by the issuing bank and applies to the bank for personalized installment payment. This service can help cardholders reduce the pressure of repayment, but they need to pay a certain handling fee. The reason why the personalized installment bill is not displayed is that the bank has not completed the relevant business, or the user has not received the notice.