1. Can I extend the credit card installment if I can’t afford it? This depends on whether the credit card issuing bank provides extension services. According to the known situation, only Industrial and Commercial Bank of China and Agricultural Bank of China can handle credit card installment extensions, and other banks have not found it yet. If the bank supports credit card extension, not everyone can apply for it, especially those who are on the bank's blacklist and are subject to serious risk control, such as those who are currently overdue or who often use the card illegally. The bank would rather not earn your installment fee. , and they won’t let you extend your stay. If you don't know whether the credit card installment can be extended, calling the bank's customer service is the fastest and most convenient way.
2. What should I do if I can’t afford the credit card installment and cannot extend it? I don’t want to be overdue, so I have to find ways to raise money to repay, and there are still many channels. 1) Ask relatives and friends to borrow money and repay the loan. This depends on whether you can borrow money and whether they are willing to borrow money. The difficulty factor is 80%; 2) Repay the card with a loan, such as in some low-threshold institutions. The online loan platform borrows money to temporarily fill the gap in credit card debt, and then repays the online loan, with a difficulty level of 90%. 3) Find someone to repay on your behalf, which is similar to the second method. It is equivalent to debt transfer. You must find a formal repayment structure in advance and meet the agency's repayment conditions. 4) Work hard to make money and increase your income, such as doing some part-time jobs, etc. This is the most appropriate method.