How to negotiate installment repayment for overdue credit card of China Merchants Bank?

After the deadline, you should contact China Merchants Bank as soon as possible to explain your situation and express your willingness to repay by installments. In the process of negotiation, provide relevant proof materials, such as proof of income and expenditure, to prove your repayment ability and the necessity of repayment by installments. China Merchants Bank will decide whether to agree to negotiate installment repayment according to personal circumstances and credit history.