Legal analysis: If you owe more than one credit card and cannot repay it, you can reach an installment repayment agreement with the bank. If you owe more than one credit card and are unable to repay it, the parties concerned can explain the situation to the bank and tell the bank that they are willing to repay the arrears. But at present, for some reasons, you are unable to repay the arrears, and ask the bank to agree that the parties are really unable to repay the arrears. After review, the bank will generally agree to the request of the parties, so that the parties can pay off the arrears in installments. After the agreement is reached, the parties only need to pay off their debts within the agreed time limit.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of personalized installment repayment agreement shall at least include: (1) balance of arrears, structure and currency; (2) the repayment period, method, currency, date and repayment amount of each installment; (three) whether to charge annual fees, interest and other fees during the repayment period; (4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled; (five) the rights and obligations of both parties and the liability for breach of contract; (6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.