When credit card debt cannot be repaid, there are several possible solutions:

First, take advantage of the minimum repayment feature provided by the bank. Each bank allows users to pay a minimum payment, usually 10% of the bill amount. For example, if you spend 10,000 yuan, you only need to pay back 1,000 yuan, which can avoid late payment fees and damage to your credit history. However, it should be noted that although the minimum repayment reduces the pressure, it will accrue interest of 0.05% per day, which may accumulate considerable expenses in the long run.

Secondly, consider bill installments. If you are under severe financial pressure, you can apply for bill installment, and banks usually provide a term of 3-24 months. This can repay the loan in installments and reduce the short-term burden, but a certain handling fee is required, and the rate is usually between 0.6% and 0.8%. Remember to choose an installment period that suits you to balance the repayment pressure and expenses.

Changing billing dates is also a strategy. For example, Mr. Li can postpone the repayment time by adjusting the bill date. As long as you pay it off before the new billing date, you can avoid accruing interest. However, please note that the frequency of bill date changes is limited, generally once every six months or one year.

If you are unable to repay due to special circumstances, it is important to proactively communicate with the bank. Explain your difficulties, ask for an extension, and avoid taking evasive actions. If possible, relieve stress by increasing your credit card limit or getting a new card, but use caution to avoid damaging your credit.

Finally, avoid the pitfalls of relying on agency repayments or finding minimum repayments, as this can result in additional fees and credit risk. The correct repayment method is to repay in full the next day after the bill date, or to repay in multiple small installments within a few days after the bill date. This can not only maintain a good credit record, but also avoid high interest rates.

Understanding the functions and repayment strategies of credit cards is the key to dealing with debt. By using these methods properly, you can effectively solve the problem of credit card debt.