1. Show that it is not intentional: rules are dead but people are alive. Some users do not intentionally delay repayment. In this case, they can explain the reasons to bank staff and submit an application. Normally, the bank will also We will treat them very humanely and provide cardholders with delayed repayment services or enjoy certain repayment discounts.

2. Insist on repayment: After some users saw that their credit card repayments were overdue and were blacklisted by the bank, they simply broke the bank and ignored the bank’s reminder calls. This is a crime. Failure to do so will seriously damage your personal credibility. The correct approach should be to insist on repayment and explain the reasons to the bank to obtain the other party's understanding.

3. Continue to use the card: When you find that you have been blacklisted by the bank and have stains on your credit report, don’t panic, don’t cancel the account, repay the loan in time, and then apply to the bank to continue using the credit card. Use good card usage records to cover previous overdue records, so that the black spots on your personal credit report will be eliminated.