The methods for handling overdue online loan credit cards are as follows:

1. Timely communication: If you are unable to repay on time, you should contact the borrower or bank immediately and explain your difficulties. Communicating with the other party early can help find a solution.

2. Replan the repayment plan: Negotiate with the borrower to formulate a new repayment plan, extend the repayment period or repay in installments. Make sure you can make your repayments according to the new plan and avoid being overdue again.

3. Increase income or reduce expenses: Actively look for additional sources of income, such as finding a side job or part-time job, to increase your repayment ability. At the same time, review personal expenses, cut unnecessary consumption, and save funds for repayment.

4. Borrow new and repay old: You can consider borrowing money from relatives and friends, and give priority to repaying high-interest online loans or credit card debts. But be careful to abide by relevant agreements to avoid damaging interpersonal relationships.

5. Seek professional help: If you cannot solve the problem by yourself, you can consult a professional financial advisor or lawyer for their advice and help to develop a more effective repayment strategy.

Summary: When faced with an overdue online loan credit card, timely communication, formulating a new repayment plan, increasing income or reducing expenses, and borrowing new money to repay old ones are common coping methods. If the problem cannot be solved, seeking professional help is also an optional strategy.

Extended information: Late repayment may cause damage to credit history and affect an individual's future borrowing ability. According to relevant Chinese laws, banks and borrowers have the right to take recovery measures, such as collection calls, door-to-door collections and even lawsuits. Therefore, when encountering overdue problems, proactively working with the borrower or bank and formulating a repayment plan is an important step to protect your personal credit record and avoid further legal disputes.