Five years. Credit card risk management stipulates that the issuing bank can reach a personalized installment agreement with the cardholder through equal consultation, and the longest term of the personalized installment agreement for credit cards shall not exceed 5 years. Credit card personalized installment repayment needs to contact the issuing bank actively, explain their own situation, express their willingness to repay and tell the bank to handle personalized installment and wait for the issuing bank's reply.