The application conditions for suspension of interest and debit are as follows: the user has confirmed that the credit card debt exceeds his repayment ability; Users have the willingness to repay; Need to have a more appropriate reason. If the above three conditions are met, users can apply for suspension of payment. Regarding how to apply for a loan through a credit card, the following is a detailed answer for you by Net Xiaobian. First, the application conditions for stop-interest suspense account 1. The application conditions for stop-interest suspense account are: the user has confirmed that the credit card debt exceeds his repayment ability; Users have the willingness to repay; Need to have a more appropriate reason. If the above three conditions are met, users can apply for suspension of payment. It should be noted that the stop-interest-loss account occurs after the deadline, and you cannot apply for stop-interest-loss account when it is not overdue. 2. For users, stopping interest payments can help users pay back in a planned way, and at the same time, the reduced interest can reduce the repayment pressure of users, so that users can pay off overdue debts as soon as possible. Second, the process of stopping interest and hanging accounts 1. Hanging accounts and stopping interest means that the borrower fails to repay the principal and interest of the loan on schedule for some reason, and the bank suspends the accounting treatment of interest on schedule, and the balance of the loan owed and the interest book are left lying down (that is, hanging accounts) for later treatment. 2. The legal basis for the suspension of interest payments is in accordance with Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks: under special circumstances, if it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. 3. The handling procedure requires the cardholder to contact the relevant staff of the bank according to the customer service phone number behind the card; Then tell yourself that it is not malicious overdue, and explain clearly the reasons why your overdraft credit card cannot be returned in time, preferably according to the actual situation. If the bank approves it, it will sign a personalized repayment agreement according to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks. The above is the relevant content compiled by Xiaobian. The application conditions for stopping interest and hanging accounts are as follows: the user has confirmed that the credit card debt exceeds his repayment ability; Users have the willingness to repay; Need to have a more appropriate reason. If the above three conditions are met, users can apply for suspension of payment. If you have other needs, you are welcome to do one-on-one legal consultation online.