For Bank of Communications, if the customer's loan or credit card is overdue, but the repayment will be strong, he will take the initiative to apply for interest reduction and delay the repayment period. Bank of Communications is generally willing to accept agreed repayment. If the temporary repayment ability is not enough, you can choose to negotiate repayment, credit cards can choose personalized installment, and online loans can also choose to postpone repayment for 1-3 years, during which interest is suspended, and the account is managed by three parties.

However, it should be noted that the negotiation of repayment requires calling Bank of Communications, not a third-party dunning company. Although users can enjoy the grace period after successfully applying for Huimin loan, they cannot enjoy interest during the grace period, and interest is charged according to the actual number of days occupied by the grace period.