1. If the credit card is not overdue, you can't apply for personalized installment, that is, you can't apply for 60 installments. However, if it is not overdue, you can apply to the bank for bill installment, with a maximum of 24 installments. Although there is a certain handling fee, you can apply and it will not be overdue.
2. Credit card application cannot be applied in 60 installments under any circumstances. It must be satisfied that the cardholder is overdue and unable to repay all debts. Cardholders have a strong willingness to repay, have certain repayment ability, and want to pay off their debts as soon as possible and return to normal life. In this case, you can apply to the bank for personalized staging. At present, all banks can apply for personalized installment.