1. Liquidation of mortgaged assets: Before getting the credit card, you can choose to realize the mortgage of assets to get the repayment of funds, but generally you may not be able to realize it at the original price, so there will be some losses;

2. actively negotiate repayment: even if you can't pay the credit card debt, don't lose contact. The bank's collection calls should also be avoided. Even if you have no money, you should explain your willingness to repay and see if you can negotiate repayment.

3. Apply for bill installment: The issuing bank usually provides cardholders with installment repayment or single consumption installment service, but installment repayment cannot enjoy interest-free period and needs to pay corresponding interest. The advantage is that it can extend the repayment time without affecting personal credit information.

The above is what to do if you really can't pay your credit card.

What should I pay attention to when using a credit card?

1. Hide the security code in time: the applicant needs to sign the card immediately after getting it, and hide the security code for payment;

2. Set the password: If the credit card cannot be stolen, the password is very important. After setting the password, users should pay attention to avoid disclosure;

3, remember the key date: in the process of credit card consumption, always remember the key period of credit card, such as repayment date;

4. Repayment on time: In order to maintain excellent credit reporting, repayment on time is a necessary link. If the repayment is not made on time, the bad record will be kept in the credit information system for five years.

How to apply for a credit card for the first time

1. Choose the appropriate card opening method: There are many ways to apply for a credit card. In addition to applying for a credit card in the traditional way, many users will choose to go through the bank official website. Compared with the traditional offline store processing channels, there are relatively few materials to be submitted when applying for a credit card through official website, and the card issuance rate will be higher. Users can choose the appropriate card opening method according to their personal situation;

2. Choose the right bank: When choosing a card issuing bank to apply for a credit card, it is best to choose a bank that has business dealings with individuals, such as a bank that pays wages and a bank that has deposit business, so that the card issuing rate will be higher.

This article is mainly about what to do if you really can't pay back your credit card. The content is for reference only.