According to the credit card website, Minsheng Credit Card can negotiate to repay the principal if it is overdue. Compared with other banks, Minsheng Bank is relatively easy to negotiate repayment. However, if you want to negotiate repayment with the bank, you need the user to be overdue for more than three months, and you are willing to take 1% of the arrears as the earnest money. That is to say, if the principal of your arrears is 5, yuan, then you need to take the initiative to repay at least 5, yuan.

even if the negotiation is successful, it will only stop the increase of interest after that, and it is unclear whether the interest generated before can be reduced or exempted. If you want to reduce all interest expenses and only repay the principal, you need to have special reasons.