1. Contact the online loan platform: establish contact with the borrower, explain the personal situation and apply for stopping payment. It is usually necessary to provide relevant supporting materials, such as proof of income, bank running water, etc.

2. Reach an agreement through negotiation: negotiate with the online lending platform to discuss and reach an agreement on the specific details of suspending the account. This may involve stopping interest calculation or lowering interest rates.

3. Sign an agreement: If both parties reach an understanding, it is necessary to sign a stop agreement or modify the terms of the contract. Ensure that the agreement contains accurate stop and start time and related fee reduction and exemption.

4. Fulfill the agreement: fulfill the stop conditions according to the requirements of the agreement. Stop paying interest within the time stipulated in the agreement and abide by other agreed matters.

Summary: Through consultation with the online lending platform, the borrower can apply for suspension of payment. The specific operation needs to communicate with the online lending platform and sign a stop agreement. However, please note that before taking this action, it is recommended to inquire about the personal credit big data report to understand your credit status.