When the credit card (debit card) is stopped, users can negotiate installment repayment. There are many reasons why credit cards (debit cards) are stopped, such as overdue and illegal use of cards. When the card is stopped, the user's repayment option does not have installment repayment, and you must apply for installment repayment. As for the success of the application, the reply given by the bank shall prevail. The user's credit qualification is good, and the bank may agree to repay the loan in installments.

If the bank rejects the user's application, the user must repay in full. After repayment, the user can try to apply for restoring the credit card (debit card).