1. If the bank allows a repayment period of up to five years, the user can pay off the arrears within five years, during which the repayment can be made in installments or with a minimum repayment amount.

2. If the bank has no grace period, the user must pay off the arrears as soon as possible after it is overdue, otherwise it will generate more overdue fees and interest.

It should be noted that overdue repayment will have a negative impact on personal credit information. It is suggested that personal economic situation should be considered before repayment, and the repayment amount should be planned reasonably to avoid bad credit records.