If your credit card bank does not agree to negotiate repayment, you can take the following steps to solve the problem:

First, learn more about the bank's reason for rejection. Contact the bank’s customer service and communicate directly to understand the other party’s position and reasons. Understanding the other party’s perspective and interests is the first step to solving a problem.

Second, file a formal complaint in writing with the bank. Write a letter of appeal, detailing your willingness to repay and your financial situation, explaining why you are unable to repay as originally planned, and proposing a reasonable repayment plan. The appeal letter should be clear and concise, setting out a specific repayment plan and schedule, as well as your ability and willingness to repay.

Third, if the bank still does not agree to negotiate repayment, you can complain to the relevant regulatory agency. Find the relevant banking regulator, complain to them about the bank's failure to provide reasonable repayment negotiations, and provide relevant evidence and documentation to support it. Regulatory involvement can help you get justice.

To sum up, if the credit card bank does not agree to negotiate repayment, you can first understand the bank's position and reasons, then make a written appeal, and finally use the relevant regulatory agency to complain to solve the problem. Consistent communication, offering reasonable repayment options, and acting in accordance with the law will help increase the likelihood of resolving the problem.

Extended information:

According to relevant laws and regulations in China, the credit card contractual relationship between the bank and the cardholder needs to be negotiated and resolved by both parties. If the bank does not agree to negotiate repayment, the cardholder can resolve the dispute by writing a written complaint and seeking help from the regulator. During this process, cardholders should provide relevant proof of repayment willingness and financial status to ensure the rationality and feasibility of the solution. Regulatory agencies will investigate complaints and handle them in accordance with relevant laws and regulations.

Please note that specific solutions may vary from case to case, so it is recommended that when you encounter similar problems, you seek professional advice or consult relevant agencies based on the specific situation. The above are general suggestions and are for reference only.