Although it is possible to negotiate with the bank to repay only the principal, you should make two preparations and don't expect too much. After all, the regulations of each bank are different. 1. If the amount owed is not large and the interest generated is not much, there is no need to negotiate this, and the bank will not agree after consultation, so it is useless to do it; 2. If the amount owed is not large, but the overdue time is relatively long, resulting in a lot of interest, this situation must be negotiated. You must always pay off the arrears to eliminate the bad credit record. For example, if the amount owed is only about 2, yuan, but it is overdue for 2 years, you have to pay back more than 1, yuan with principal and interest. This is not a small amount. 3. During the negotiation, you should take the initiative to call the bank and be sensible. Of course, don't forget to record it. Tell the bank on the phone that you want to repay the money, and then make it clear about the principal you owe and the interest you generate. At the same time, you should show your difficult situation. Only the money can repay the principal, but there is no money to repay the interest. However, the last thing to say is that no matter whether the negotiation is successful or not, as long as you are overdue, you'd better pay back some money every month to show your willingness to repay, so that the crime of credit card fraud will not be constituted, and the bank will not contact the public security to arrest people if it is not difficult for you. Legal objectivity:

Article 196 of the Criminal Law commits credit card fraud in any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) Malicious overdraft.