First of all, I'll tell you that there are reliable and unreliable ones. Be careful when charging. Because many debtors not only failed to apply, but also were cut again by these people. I already owe money, and the result is even worse. Most of the routines are to set traps for collectors or bank staff, let the other party jump in, keep the evidence for themselves, and then complain. In fact, this is a very disgusting behavior. All rivers and lakes are moral. Some banks will not hesitate to sue debtors and call the police when they encounter such malicious complaints or frame people. No matter where you complain, the police will immediately arrest those who instigate others to complain maliciously with reliable evidence. This is called disrupting the financial order. Even if these people are not required to do so, as long as you are sincere in repayment and have financial difficulties, you can still apply for personalized installment. Because the ultimate goal of the bank is to get the money you owe back. As long as you follow this idea and negotiate with the bank, you can basically realize the installment repayment you want, which is not difficult at all. If you have any other questions, please pay attention to my private letter. I hope I can help you. I hope it can be adopted. Thank you.