Legal. If it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the cardholder can entrust a lawyer to negotiate with the card-issuing bank on an equal footing. Deferred repayment generally refers to credit card deferred repayment, which refers to the period of postponed repayment. It means that the repayment deadline has arrived, but the repayer can apply for a deferred repayment if he does not have the ability to repay due to some reasons. , does not affect credit.