1. When the borrower encounters repayment difficulties, he can negotiate with Yang Xiaosao's loan platform and ask for deferred repayment or secondary installment. The key to the negotiation is to communicate effectively with the customer service or collection company of the loan platform and explain their actual situation and the reasons for delaying repayment. However, Yang Xiaochan's card itself may not provide direct deferred repayment option, so the negotiation result will depend on the loan platform policy, the borrower's credit record and other factors.

2. Yang Xiaosao is a pure online personal credit loan product operated by Beijing Zhongxin Limin Information Technology Co., Ltd., which is open to individual users. Sheep Sister-in-law is a platform that focuses on user experience and aims to provide users with intelligent one-stop life consumption services. For young people who are pursuing a better life, we will provide them with convenient and cost-effective goods and services. On the basis of providing users with high-quality e-commerce services, the platform extends to various life scenes such as living payment, food and beverage take-out, business travel, etc. Finally, the full coverage of food, clothing, housing and transportation will be realized.