Yes. According to a query on the official account of Hebei Bank, Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" states that under special circumstances, if it is confirmed that the amount owed by a credit card exceeds the cardholder's ability to repay and the cardholder still has the willingness to repay, The card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years.