Generally, Bank of Communications talks about staging by telephone, and Bank of Communications requires uploading data first to review that nuclear energy cannot be staged. As long as you prepare the information and prove that you will explain your repayment plan to the CBRC, so that the CBRC can negotiate the installment.
In fact, many people communicate with the bank after their credit cards are overdue, and the bank will tell you that I don't have this kind of business, unless it is more than how much money and what conditions are met. In fact, these are all excuses. Don't give up the idea of personalized staging because of these excuses. What is the longest period of personalized staging? According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the longest time is not more than five years. However, from the practical point of view, there are very few friends who can reach six years, but 99% of them will not exceed five years. Can the overdue personalized installment reached with the bank not be displayed on the credit report? In fact, this is impossible. As long as you don't pay back on time when using the card, some friends may have been overdue for several months. At this time, the card must be issued.