What to do if your credit card is overdue and unable to repay:?

1. Make minimum repayments: Credit cards can make minimum repayments. The cardholder only needs to make minimum repayments on the repayment date. If you repay the minimum repayment amount required by the bank on the same day, it will be regarded as normal repayment;?

2. Apply for negotiated installments. For users whose credit cards are overdue, the China Banking and Insurance Regulatory Commission will give them the right to apply for personalized installments. Therefore, users can apply to the corresponding bank to repay the current overdue balance in installments. When the repayment pressure is reduced, subsequent repayments will be easier. It should be noted that if a personalized installment plan is reached, no overdue payment will occur again.

3. Apply for deferred repayment: If the user cannot pay off the credit card on the day of repayment, but will be able to turn over his own funds soon, he can directly contact the bank customer service and apply for a short-term credit card repayment extension; ?

4. First find family members for turnover: If the user's funds are really unable to be transferred, then you can first find relatives and friends for turnover, and first resolve the debt owed to the bank to avoid the risk of overdue credit card repayments. .