Legal analysis: 1. China Merchants Bank: Can be divided into 6-60 installments, interest-free installments, no reduction or exemption, stop collection

2. Shanghai Pudong Development Bank: The current policy is relatively good, and there is a high probability of exemption. interest, and the period can also be longer, especially for universal funds, the reduction and exemption is very large

3. Minsheng Bank: Basically, installments can be processed, but a down payment of 0%-10% is required, and the remaining Interest-free installments for funds

4. CITIC Bank: A down payment of 5%-10% is required and interest-free installments for the remaining funds

5. China Guangfa Bank: Some customers will be exempted or exempted, depending on the actual situation, now make installments A handling fee is required, which is about Qiansan-Qian5

6. China Construction Bank: There will be a certain amount of interest in installments before the interest rate can be suspended

7. Agricultural Bank of China: It is difficult to negotiate, and the installment plan is The time is relatively short, and there is a certain amount of interest

8. China Everbright Bank: The policy changes in June are relatively large, and you need to be overdue for more than 6 periods before interest installments can be suspended

9. Bank of Communications: The policy is the best , you can repay around 1,000 every month

10. Industrial Bank: The processing speed is the fastest and the period provided is relatively long

11. Hua Xia Bank: The plan is average. 12-60 interest-free periods

12: Industrial and Commercial Bank of China, the processing speed is relatively slow, and the number of installments is relatively short

Legal basis: China Banking Regulatory Commission's "Supervision of Credit Card Business of Commercial Banks" Management Measures" Article 70 Under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the card-issuing bank may negotiate with the cardholder on an equal footing to reach personalized installments. Repayment Agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. The content of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment cycle, method, currency, Date and repayment amount in each installment;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Cardholders will pay in personalized installments A commitment not to apply for a credit card from any bank before the relevant amounts in the loan agreement are fully settled;

(5) Rights, obligations and liability for breach of contract of both parties;

(6) Repayment Other matters related to payment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.