Due to the COVID-19 epidemic, it is overdue, which is also caused by external factors. Therefore, if the minimum repayment amount after the repayment date expires is not clear, you can negotiate personalized repayment with the bank according to the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, reduce the repayment pressure, avoid monthly penalty interest and late payment fees, stop collection, avoid being sued, and resume normal work and life.

However, negotiations also need conditions. The cardholder must be willing to repay, and the cardholder must be able to repay. If there is no income at all, it will be difficult to negotiate. The most important thing is that the cardholder is overdue and cannot repay in one lump sum, which has exceeded the current repayment ability.