There is still hope of applying if you meet three conditions:

1. Provide evidence of temporary insolvency caused by special circumstances (such as hospitalization, bankruptcy, accident, etc.), Including liability sheets, bank statements, proof of no employment, etc. Anyway, you have to tell the bank that you have no financial strength and assets for repayment.

2. Make a repayment plan and prove that you are able to repay the loan, but you can't pay it off temporarily. If you are employed, you need to provide proof of employment, otherwise you will just rely on saying that you can repay the loan. If you are unwilling to take action, the bank will definitely not believe it.

3. You also need to keep in touch with the bank at all times. You cannot refuse to answer the phone or lose contact when you move and change jobs. This is not proof of your willingness to repay. It is best to go to the bank more or less after the due date. Paying off some money on your credit card does not mean just paying off one or two hundred per month, but you should make appropriate installments based on the amount of debt you owe.

Extended information

Applying for interest-free installment repayment is actually to negotiate repayment with the bank, sign a personalized installment repayment agreement, stop accruing interest on the credit card, and transfer the current arrears Installment repayment. Negotiated repayment is different from what we call credit card installment repayment, because it can only be handled after it is overdue, and it is much more difficult.