If your credit card (debit card) is overdue, you can solve the problem through the following points:

First of all, contact the bank in time and explain the situation. Late payments can result in damage to your credit history and high late fees, so it's important to communicate with your bank early. You can explain your situation to the bank and seek deferral of repayment, installment payment or other solutions.

Secondly, try to raise funds to repay the loan. You can pay off overdue credit card debt as quickly as possible by borrowing money, borrowing from friends and family, or finding other temporary sources of funds. Ensuring timely repayment can reduce the impact of overdue payments and avoid further late fees and penalty interest.

In addition, you can negotiate a repayment plan with the bank. If you are unable to repay the debt in one lump sum, you can proactively contact the bank and negotiate with the bank to formulate a reasonable repayment plan. Based on your actual situation, propose a reasonable installment repayment plan and ensure repayment on time and as scheduled to reduce additional expenses and the occurrence of bad credit records.

To sum up, when your credit card (credit card) is overdue, you should contact the bank in time and explain the situation, try to raise funds for repayment, and negotiate with the bank to formulate a repayment plan. Properly responding to overdue repayment issues can help protect personal credit records and reduce economic losses.

Extended information:

Late repayment of credit card may have a serious impact on personal credit record. Late repayments will result in negative information being recorded on the credit record, which will affect an individual's credit evaluation in future borrowings, purchasing a house, applying for a loan, etc. In addition, late repayment may also trigger the bank to take legal measures to recover the arrears, causing further economic and legal problems. Therefore, it is important to deal with overdue credit card repayments in a timely manner and take effective measures to pay off the debt as soon as possible. You should plan your consumption reasonably at ordinary times to avoid exceeding the repayment capacity to ensure healthy use of your credit card.

Please note that the above are general suggestions, and specific response methods need to be determined based on personal actual circumstances and bank requirements. In practice, please follow the bank's guidelines and requirements to ensure that the problem can be properly resolved.