Only the principal repayment of the credit card can be negotiated. Credit card is a consumer lending tool. After using the credit card for consumption, the cardholder needs to repay the balance on time according to the repayment method agreed in the contract. For the case of principal repayment only, you can negotiate and reach an agreement with the bank.

Specifically, the following is a detailed explanation of the negotiation for credit card principal repayment:

1. Negotiation method: The cardholder can negotiate with the bank and propose to repay only the principal. Make a request for payment and explain your difficulty in repaying the loan. This usually requires providing relevant financial evidence and explanations to the bank.

2. Bank approval: The bank will decide whether to agree to the negotiation based on factors such as the cardholder's repayment ability and credit record. If the cardholder really has great difficulty in repaying the loan and there are reasonable reasons, the bank may consider agreeing to only repay the principal.

3. Negotiation results: If the bank agrees to the negotiation, the cardholder needs to repay in accordance with the method stipulated in the agreement after the negotiation is reached. This may include adjusting repayment plans, extending repayment terms, reducing interest and other measures to reduce the burden on cardholders.

To sum up, only the principal repayment of a credit card can be negotiated. Cardholders can communicate and negotiate with the bank, make a request to return only the principal, and determine the final repayment method based on the bank's approval. However, the outcome of the negotiation depends on factors such as the cardholder's repayment ability and credit history.

Extended information:

According to the "Credit Card Management Measures of the People's Republic of China", banks can, after appropriate review and evaluation, make payments based on the cardholder's repayment ability to make adjustments to credit card payments. The specific content and results of negotiations may vary depending on personal circumstances and bank policies.

It should be noted that when negotiating credit card repayment, cardholders should communicate with the bank in advance based on the actual situation to avoid credit losses caused by late repayment or debt arrears. At the same time, cardholders should keep relevant negotiation records and documents to prepare for possible disputes or needs in the future.

The above is a brief answer and detailed explanation of the negotiable principle of credit card principal repayment. Hope this helps. If you have further questions, you can continue to ask.