You can go to your workplace or street office to complete the procedures.

1. The name of the borrower must appear clearly on the poverty certificate, and must be exactly the same as the name on the person’s ID card. Homophones or irregular abbreviations cannot be used instead, and there must be no typos. The name of the lender must not be altered.

2. The poverty certificate requires the official seal of the people's government of the township (town) where the family is located, or the official seal of a higher-level competent department. Among them, the valid official seals include: township (town) people's government, county civil affairs bureau, and civil affairs bureau. Urban residents can be the official seal of neighborhood committees, street offices, or communities. Note that the official seal of the village committee is invalid and the official seal of the unit is invalid. Try not to have two or more official seals on the poverty certificate.

3. The words "Family is in financial difficulty and needs to apply for a national loan" appear clearly in the poverty certificate.

4. The poverty certificate is required to be written on material paper or manuscript paper and written with a pen or water-based pen. Writing with a ballpoint pen is invalid.

Article 70 of my country's "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" clearly stipulates that under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's ability to repay and the cardholder still has the willingness to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years.

When applying for personalized repayment, you must first negotiate with the bank's front desk department and sign a personalized repayment agreement based on the different regulations and authorities of each bank and the customer's actual family business income. The agreement is then submitted to the front desk department for approval by the leadership and entered into the system for registration.