Legal analysis: After the judgment of the People's Court is issued, if the judgment is implemented, the repayment should be a one-time payment without further negotiation.

Card holders who want to apply for installment repayment can try to appeal for second instance.

Legal basis: "Civil Procedure Law of the People's Republic of China"

Article 236 Any legally effective civil judgment or ruling must be fulfilled by the parties concerned. If one party refuses to perform, the other party may apply to the People's Court for enforcement, or the judge may transfer the matter to an execution officer for enforcement. The parties concerned must perform the mediation agreement and other legal documents that should be executed by the People's Court. If one party refuses to perform, the other party may apply to the People's Court for enforcement.

Article 237 If one party fails to perform an award issued by an arbitration institution established in accordance with the law, the other party may apply to the people's court with jurisdiction for enforcement. The people's court subject to the application shall implement it. If the respondent submits evidence to prove that the arbitration award falls under any of the following circumstances, the People's Court shall form a collegial panel to review and verify the award and rule that it shall not be enforced:

(1) The parties did not enter into an arbitration clause in the contract or failed to do so afterwards. A written arbitration agreement is reached (2) The matters of the award do not fall within the scope of the arbitration agreement or the arbitration institution has no authority to arbitrate (3) The composition of the arbitral tribunal or the arbitration procedure violates legal procedures (4) The evidence on which the award is based is forged (5) The other party concealed evidence from the arbitration institution that would affect a fair award; (6) The arbitrator committed corruption, accepted bribes, engaged in malpractice for personal gain, and made a wrongful award when arbitrating the case. If the people's court determines that the enforcement of the award is against the interests of the public, it shall rule not to enforce it. The award shall be delivered to both parties and the arbitration institution. If the arbitration award is ruled not to be enforced by the People's Court, the parties may reapply for arbitration based on the written arbitration agreement reached by both parties, or may file a lawsuit in the People's Court.

Article 238 Execution of Notarized Creditor's Rights Documents

If one party fails to perform a creditor's rights document that has been legally enforceable by the notary authority, the other party may submit it to the person with jurisdiction If a people's court applies for enforcement, the people's court that receives the application shall enforce it. If there is indeed an error in the notarized creditor's rights document, the People's Court shall rule not to enforce it and shall serve the ruling to both parties and the notary office.

Article 239: Time limit for application for execution

The period for application for execution is two years. When applying for the suspension or interruption of the statute of limitations, the provisions of the law on the suspension or interruption of the statute of limitations shall apply. The period specified in the preceding paragraph shall be calculated from the last day of the performance period stipulated in the legal document. If the legal document stipulates performance by installments, the period shall be calculated from the last day of each performance period stipulated in the legal document. If the legal document does not specify a performance period, the period shall take effect from the date of the legal document. Calculated from the date.

Article 240 Execution Notice and Compulsory Execution

When the execution officer receives the application for execution or the transfer of execution, he shall issue an execution notice to the person subject to execution and may immediately take action enforcement measures.