1. Repayment of minimum repayment amount Every bank will set a minimum repayment amount for credit card holders. As long as the cardholders can repay this minimum amount, the bank will neither charge late fees nor affect personal credit. Generally speaking, this minimum repayment amount is 1% of the bill amount. That is to say, if you spent 1, yuan last month, and you don't have enough money this month because of unemployment or other reasons, you just need to return to 1 yuan or above. However, it should be noted that if you choose the minimum repayment amount, you will not be charged a late fee, but you will be charged a daily interest of .5%, which is quite a lot. Therefore, it is best for the borrower to repay all his bills as soon as possible. 2. Take the initiative to negotiate with the bank. If the cardholder can't even pay the minimum repayment amount of 1%, then don't choose to run, that is, change the address and change the mobile phone so that the bank can't contact. This is the worst way to deal with it. You should know that from the day you apply for a credit card, your personal data and credit situation will be recorded in the central bank's credit information system. No matter where you go in the future, unless you don't deal with the bank in this life, you don't pay the water, electricity and media fees in your real name, you don't buy a mobile phone card and handle a fixed telephone, etc., otherwise the bank will find you, and your credit record will be smeared. It will be difficult to obtain the approval of bank loans and credit cards in the future, and it may even affect your future employment. Once the minimum repayment amount is not paid, the best way is for the cardholder to contact the card-issuing bank immediately to explain his situation, saying that he is not in bad faith, but can't pay off immediately due to temporary changes in economic conditions, and apply for deferred repayment. Generally speaking, as long as the cardholder contacts the bank actively, the bank will usually design a repayment method acceptable to both parties for the cardholder. For example, the amount owed will be postponed for 1-2 months, and the interest will be discounted or the amount acceptable to the cardholder will be repaid every month. After all, once the cardholder fails to repay, the money is a bad debt for the bank, so the bank will be happy to save every cardholder who wants to repay but is temporarily unable to repay. If citizens need to use credit cards, they should operate in strict accordance with the regulations of China and the relevant card-issuing banks on credit cards. If there is a situation of thorough capital, they should repay in time. If it constitutes overdue repayment of credit card overdraft, it will definitely have an adverse impact on the user's credit information and other aspects.