What if the bank doesn't agree to stop paying?

If the bank doesn't agree to stop paying the bill, it's probably because your processing conditions are not enough. At this time, the best way is to continue to negotiate. You can submit some proofs of financial difficulties to the bank, such as poverty certificates, debt certificates of multiple platforms, unemployment certificates, disability certificates, etc. Submitting this evidence can at least convince the bank that you are not paying back the money, but that you really have no money to pay it back. Under normal circumstances, banks will still agree to stop paying interest.

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that under special circumstances, if it is confirmed that the credit card debt 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. If the reasons are true and the relevant certificates are complete, and the bank still disagrees with the negotiation, then you can choose to complain to the local banking regulatory bureau or a third-party platform such as gathering complaints.

Generally speaking, it is a helpless move to stop paying interest and debit. Cardholders are advised to spend rationally and not to overdue for no reason.