Huarui Bank's deferred repayment policy is:

1. Shanghai Huarui Bank's credit card application for interest suspension and debit mainly means that the debtor cannot return Shanghai on the last repayment date due to special circumstances. For credit card arrears of Huarui Bank, if the debtor is willing to repay, he can negotiate with Shanghai Huarui Bank Credit Card Institution to sign an extension or suspend the interest rate.

2. After handling the suspension of interest on Shanghai Huarui Bank's credit card, it will be displayed in the personal credit report. Suspension of interest on Shanghai Huarui Bank's credit card and overdue payment will have an impact on personal credit, which will produce a series of negative consequences.

3. If the debtor feels that the amount of Shanghai Huarui Bank credit card debt has exceeded his or her repayment ability, he or she can contact the Shanghai Huarui Bank credit card institution to apply for an interest suspension.

4. If Shanghai Huarui Bank Credit Card Institution agrees, the debtor can negotiate a new repayment plan with Shanghai Huarui Bank Credit Card, and then pay off the debt according to the new repayment plan. .

5. If the credit card institution of Shanghai Huarui Bank does not agree to negotiate a deferment of repayment, the problem can be solved through multiple communications until the credit card institution of Shanghai Huarui Bank agrees.