If the bank does not agree to credit card installment negotiation, it can appeal to the CBRC. It is suggested that letters and visits should be made in written form, listing the unreasonable behaviors and demands of the bank in detail, and attaching relevant materials to the banking regulatory bureau where the credit card bank is headquartered, requesting the CBRC to intervene and coordinate, and urging the bank to solve the cardholder's debt problem by stages through consultation.