The Shenzhen Rural Commercial Bank credit card negotiation repayment process is as follows:

1. Contact the bank in advance. If you are unable to repay the loan on time, you need to contact Shenzhen Rural Commercial Bank’s credit card customer service or go to the counter to communicate and explain the situation as soon as possible.

2. Provide relevant supporting materials. According to the bank's requirements, relevant supporting materials need to be provided, such as income certificate, family financial status certificate, workplace and leadership contact information, etc., so that the bank can evaluate the repayment ability.

3. Negotiate a repayment plan. The bank will propose corresponding repayment plans based on the situation, such as installment repayment, extending the repayment cycle, etc. The final repayment plan needs to be negotiated with the bank and relevant agreements signed.