Postponing a debt with the creditor's consent and whether it is considered delay

Question:
Another question from the brother Khalid from Riyadh. He says: If a debtor asks the creditor, after the due date has arrived, to postpone the debt, and the debtor is able to pay it off, and the creditor agrees, is this considered the delay mentioned in the hadith?

Answer:
No, if the owner permits the delay and there is no increase in the amount, and he permits the delay, then there is no harm in that, and this is not considered procrastination; because it is with the permission of the owner of the money. Yes.