You can go online to inquire about the "Law of the People's Republic of China and the State Bank on Industry Supervision", "The Law of the People's Republic of China and the State on Commercial Banks", "The Law of the People's Republic of China and the State on Commercial Banks", "The Law of the People's Republic of China and the State on Commercial Banks", "The Law of the People's Republic of China and the State on Commercial Banks" Management Regulations and other laws and regulations.

Legal basis:

Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and that If the cardholder 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. The maximum term of a personalized installment agreement cannot exceed five years.