Legal analysis: when the loan is not repaid, it can be repaid in the following ways: 1. Installment repayment: Banks generally provide credit card installment repayment function. If the loan is not paid, you can apply for installment repayment first. The minimum repayment amount is generally 10%. Installment repayment will charge some fees, but it can alleviate the repayment pressure.

2. Intermediary repayment: Many financial institutions now provide credit card repayment services, and credit card repayment will charge some fees, but financial institutions looking for repayment must first determine whether the institution is legal and formal;

3. Stop paying interest and put it on account: call the bank to explain the truth and apply to the bank to suspend the accounting treatment of interest calculation on schedule. The debt will not be put on account for the time being and will be repaid in the future;

4. Repayment with other credit cards: Repayment with other credit cards can solve the current repayment problem, but the money owed should be paid back quickly.

Legal basis: Article 668 of the Civil Law of People's Republic of China (PRC) stipulates that unless there are other loan agreements between natural persons, it shall be in written form.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.