It's true. If the credit card is overdue, you can negotiate with the bank to repay it in installments, exempting all handling fees, interest and liquidated damages. However, if the cardholder is overdue for too long, the relevant bank may not agree to your request. If successful, it can not only exempt the handling fee, interest and liquidated damages, but also clear the overdue record of the cardholder. Therefore, it is suggested that cardholders negotiate with a good attitude, explain their actual situation to the bank, show that they are not maliciously overdue, and try their best to negotiate successfully. In order to improve the success rate, the premise is that cardholders must have a strong willingness to repay. This is related to the overdue call. Cardholders must answer overdue collection calls and take pains to communicate with the collection party to show their strong willingness to repay. I just can't pay my debts for the time being. Only in this way can the bank judge that you are willing to repay. 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. If you have a fixed income and cannot negotiate on your own, you can entrust a professional organization to negotiate if economic conditions permit. After all, professional people do professional things, which can completely avoid prosecution and collection, but only if you repay normally after negotiation.