Can Jilin Bank apply for personalized installment if its credit card is overdue?

Yes If Jilin Bank's credit card can't be repaid after three months, the bank will ask for full repayment. At this time, you can negotiate with the bank for personalized installment, that is, only the principal will be repaid, and the principal will be repaid in installments. According to 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.