I understand that if you are unable to repay your credit card overdue, you can try the following solutions:

1. 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.

2. Repay part of the amount every month. If the bank does not agree to the user's application for installment repayment and is still unsuccessful despite the intervention of the China Banking and Insurance Regulatory Commission, he can repay a small amount every month to show that he is not maliciously overdue.

3. Find help from relatives and friends. You can confess to your family, relatives and friends as early as possible and pay off the debt first, and then repay the borrowed funds to relatives and friends later to avoid the increase in debt caused by long overdue time.