It means that due to special matters, the repayment cannot be made on time, and the interest and balance of the arrears are to be determined through negotiation with the bank.

Stop-interest account is a special service launched by banks for cardholders who can't repay their credit card debts or loans on time. When the cardholder fails to repay the loan on time due to special reasons, he can negotiate with the bank to suspend interest calculation and put the balance and interest in the account for subsequent treatment.

According to Article 70 of the Measures for the Supervision of Credit Card Business Process of Commercial Service Banks, when the credit card debt exceeds the cardholder's repayment ability, but the cardholder still has the willingness to repay, the bank can negotiate a personalized installment repayment agreement with the cardholder, and the term shall not exceed 5 years. This measure aims to help cardholders reduce the pressure of repayment while safeguarding the rights and interests of banks.