Cattle and horses, what's going on

Bank of China overdue 150,000, nearly 2 months

Today received a WeChat message from a bank staff with the application form for difficulties

It is said that submitting this form + credit report + salary statement for the last 6 months

Can apply for an extension and installment repayment ……

The credit report is a bit messed up (there are online loans but no overdue), calling on experienced brothers, please give some advice, how to break the deadlock?