There are several conditions for Shanghai Pudong Development Bank’s application for suspension of interest rates:

1. It has been confirmed that the amount of debt clearly exceeds the debtor’s repayment ability.

2. On the premise that the debtor is willing to repay, take the initiative to negotiate and communicate with the bank before overdue.

When there are reasonable reasons, such as some force majeure factors. When repaying the card, the cardholder can sign a personalized repayment agreement with the bank, and the repayment can be carried out in up to five years.