1. Apply for installment repayment. You can contact the bank and apply for installment repayment. Installment repayment usually charges a certain fee, but it can alleviate the short-term repayment pressure.
2. Negotiate deferred repayment. If you have paid in installments, but still can't repay, you can communicate with the bank in advance and apply for an extension of the repayment period.
3. Stop paying bills. Under special circumstances, if the amount you owe exceeds your repayment ability and you are still willing to repay, you can negotiate with the bank to stop paying interest, that is, suspend interest, and then repay the debt when you are able to do so later.
4. Seek help from relatives and friends. Borrow money from relatives and friends to repay the credit card debt, and then gradually repay it after the economic situation improves.
5. Avoid losing contact. Keep communication with the bank to avoid being taken legal action by the bank because of losing contact.