Give an "irresistible" reason, express your determination to repay the loan, and give priority to repaying the bank's credit card, etc.

1. Give "irresistible" reasons. According to the provisions of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", cardholders must be unable to repay before they can apply for personalized installments. Therefore, before applying, everyone must first express that they are overdue due to irresistible reasons. .

2. Show your determination to repay the loan and your attitude of giving priority to repaying the bank's credit card. Choose forced installment or you will be unable to repay. Each bank has different policies regarding overdue time and amount. Once the application is rejected, there is little hope of successful application. If you are worried about being rejected, you can also seek legal help and strive for the maximum amount of reduction, divided into 60 installments.