Legal analysis: When the credit card cannot be used, you can negotiate with the bank and call the bank's customer hotline directly. However, during negotiation, the cardholder needs to explain his difficulties in detail. Generally, banks will agree, but the cardholder needs to pay a certain handling fee. However, you can repay it in advance when you have money. When you fail to repay your credit card on time, you are better off using installments or minimum payments. These two repayment methods can effectively reduce the monthly repayment amount and avoid early repayment. When using installment repayment, the more installments you make, the more you have to pay. When choosing an installment, it is best to choose based on your income. Legal basis: Article 6 of the Bank Card Business Management Measures, credit cards are divided into credit cards and quasi-credit cards based on whether a reserve fund is deposited with the card-issuing bank. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit and then repay. A quasi-credit card refers to a credit card in which the cardholder must deposit a certain amount of reserve fund in accordance with the requirements of the card issuer. When the reserve account balance is insufficient for payment, the cardholder can overdraw within the credit limit specified by the card issuer.

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