In principle, it is possible to negotiate interest suspension and installment repayment with credit cards. This kind of business is called pending interest suspension, but the review is strict, and banks will not easily allow users to suspend interest payment and repay in installments. If there is indeed an objective reason why the credit card cannot repay the debt, you can actively try to negotiate with the bank, contact the card-issuing bank to explain your economic situation and financial problems, etc., and express that you are not maliciously owing the debt, and apply for interest suspension installments. The bank will based on The actual situation will be considered, and whether the application can be successful in the end depends on the bank's measurement results.

Credit card application

1. In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply Apply for a credit card from the card issuer. Sometimes, legal persons can also be applicants.

2. Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

3. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature. After the applicant successfully applies for a credit card, the card-issuing bank will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.