Legal analysis: If you owe a credit card and cannot afford to repay it, you can negotiate with the issuing bank to repay it in installments. However, if it is not overdue, no interest will be generated except for the withdrawal and the minimum repayment amount. If there is no interest, banks will generally not agree to negotiate repayment. If there is no overdue, banks cannot judge whether the parties are unable to repay.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 634 Where the buyer of the installment payment fails to pay one fifth of the price and fails to pay the price after being urged, the seller may require the buyer to pay the full price or terminate the contract.

If the seller terminates the contract, it may require the buyer to pay the fee for the use of the subject matter.

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674 The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.