1. First of all, the user should contact the customer service of the relevant bank as soon as possible after the credit card is overdue, explain the actual situation and the reasons for the overdue, and show that he is not maliciously overdue and is willing to repay.

2. Secondly, negotiate a personalized installment repayment agreement. After the bank agrees to negotiate with the user, it will make a repayment plan for the user according to the actual situation of the user, which may be installment repayment or minimum repayment, depending on the content of the negotiation. After determining the repayment agreement, the user only needs to make repayment according to the agreement.

what is the full name of BOC?

The full name of Bank of China is China Bank, which was formally established on February 5, 1912 with the approval of Dr. Sun Yat-sen. In 222, with total assets of 28.9 trillion yuan, the head office is located at No.1 Fuxingmennei Street in Beijing, which is a large state-owned bank managed by the central government and a national vice-ministerial unit. Bank of China is a note-issuing bank in Hongkong and Macau, and its business scope covers commercial banks, investment banks, funds, insurance, aviation leasing, etc.