generally, if you want to stop paying interest and hang the account successfully, you need to return part of it to show your willingness to repay, which is more conducive to the success of the negotiation. If it is really because of economic difficulties, then you can directly handle the installment repayment without paying back part.

after the interest is stopped and the account is suspended, the balance of the arrears will not generate cyclic interest, but the interest generated before will not be eliminated. Instead, it will be suspended under the account together with the principal of the arrears, and repayment will still be made. As for how to negotiate with the bank.