Credit card debt restructuring, also known as suspension, personalized installment, also known as negotiation secondary installment, is called debt restructuring after unified name here.

Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment.