Banky team Reviewed editorial answerRescheduling should be treated as a new agreement on payment dates, not just an automatic extension and increase.
Request a statement of your debt before and after the rescheduling, all fees, and the impact of the change on your credit report.
If the figures aren't clear, don't agree.
The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.