1. Liabilities exceed repayment ability, for example, 400,000 yuan is owed to the bank, but the monthly income is only 5,000 yuan. Obviously, the repayment ability is far less than that of debt, even if there is a strong willingness to repay;

The debtor should be willing to pay. For example, when it is about to expire, it is necessary to actively communicate and negotiate with the bank;

3. The reasons must be sufficient. Compared with unemployment, fraud, illness, and car accidents, there must be proof materials.

Legal basis: Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks.

Under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

The contents of personalized installment repayment agreement shall at least include:

(a) the balance, structure and currency of the arrears;

(2) the repayment period, method, currency, date and repayment amount of each installment;

(three) whether to charge annual fees, interest and other fees during the repayment period;

(4) The cardholder shall not apply for a credit card from any bank before all the funds related to the personalized installment repayment agreement are settled;

(five) the rights and obligations of both parties and the liability for breach of contract;

(6) Other matters related to repayment.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, except that the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Records shall be kept at least until the date of settlement of arrears.

What are the consequences of dealing with the suspension of payment?

1, which may cause users to be denied credit business in the future;

2, affect the credit, and stop the interest in case of overdue, which will leave a stain on the credit itself;

3. Credit cards cannot be withdrawn. After the account is suspended, the bank will think that the user does not have enough repayment ability and the loan risk is high, so the user is not allowed to withdraw the cash again.