You can apply for installment according to your repayment ability.

First of all, don't borrow new debts to pay off old debts, cash out old ones with new cards, or even borrow high interest from the people. This will only get deeper and deeper, and there will never be a bright future, not to mention trusting those online plans that are overdue, online loan mutual aid groups and so on.

when a credit card is overdue and requires a one-time payment, it should be overdue for more than 9 days. The bank will notify you after receiving the final fruit for many times, and there will be a second chance to coordinate repayment by installments.

the first time: the relevant departments of the bank no longer collect the money, but entrust a third party agency, usually a cooperative law firm to collect the money on their behalf. According to the regulations of most banks, it is generally required to repay 3%-5% of the total amount owed in one lump sum, and the rest will be repaid in installments according to the number of negotiated installments. If you are contacted by the bank's own legal department, you can directly make installments according to the total amount owed, or you can negotiate the number of installments according to your repayment ability. For example, if the funds available for repayment in the next day are 1 yuan every month, you can apply to stop calculating interest and repay 1 yuan every month until it is paid off.

the second time: if the negotiation fails for the first time, the people's court can negotiate and mediate. For example, if the monthly repayment fund is 1 yuan, you can apply for a court decision and repay 1 yuan every month until it is paid off. You said that without 1 yuan, 8 yuan and 5 yuan will do. Credit card disputes are common. As long as the willingness to repay is positive, the court will generally make a judgment in favor of the cardholder. The written judgment shall take effect as of the date of issuance, and both parties shall abide by it.

At present, the employment pressure is great, and the downward trend of the economy is obvious. For many debtors, when they have to bear the burden of their families and heavy debts, it is easy to have pessimistic thoughts and give up on themselves. What I want to say is that the difficulties are temporary. As long as we deal with them with a positive attitude, there are always more ways than difficulties. There is nothing to cross, and all debts will be paid off one day through hard work.

work hard!