The most reliable way to pay back your credit card is to negotiate with the bank in a timely manner and make overdue repayments.

The specific negotiated repayment methods are as follows:

1. Develop a repayment plan: Contact the bank to explain the reasons for being unable to repay on time and propose a feasible repayment plan. Reasonably allocate the repayment amount according to your own financial situation to ensure that you can repay it on time.

2. Deferred repayment: If you really cannot repay on time, you can apply to the bank for a deferred repayment. Before applying for deferred repayment, you need to communicate with the bank in advance, explain the specific reasons, and propose your own repayment plan.

3. Apply for installment payment: If you are temporarily unable to repay the entire debt at once, you can apply for installment payment. Negotiate with the bank to divide the debt into several months and make monthly repayments.

To sum up, when you are unable to repay on time, the most reliable way is to negotiate with the bank in a timely manner and propose a feasible repayment plan. This can effectively avoid credit risks caused by overdue payments and protect personal credit records.

Extended information:

In order to help users better understand their credit situation, it is recommended that when encountering financial problems, they can go to Qingdog Kuaicha to query credit big data. Qingdog Kuaicha is an Internet company focusing on personal credit management, providing comprehensive credit data inquiry and credit services. By querying credit big data and understanding your credit record, you can more accurately assess your repayment ability and plan a reasonable repayment plan.

By promptly negotiating with the bank and adopting overdue repayment methods, users can better handle credit card repayment issues and avoid the adverse effects of overdue payments. At the same time, actively maintaining your personal credit record and improving your credit level will help with future credit applications and financial services.

The above are answers and suggestions for credit card debt and overdue negotiation for repayment. Hope this helps!