Cardholder users can apply for negotiated repayment, which is legitimate and supported.

Therefore, it is recommended that everyone should combine "emotion, law and reason" when applying. "Love" means playing the emotional card. For example, as mentioned above, it shows that you have insufficient repayment ability, family difficulties, etc. In terms of law, if a cardholder fails to pay attention to or understand the relevant overdue penalty interest clauses when applying for a credit card, and if he or she is charged penalty interest or liquidated damages and requests a reduction or exemption on the grounds that they are too high, the Supreme Court will take appropriate action. processed.

Finally, negotiated repayment by credit card is supported by relevant bank regulations. If the bank refuses blindly, the user can complain to the China Banking and Insurance Regulatory Commission.