1. Individuals cannot file for bankruptcy. If they don't have a credit card, they can borrow money from friends or negotiate with the bank. If you haven't got up yet, you will be urged at the meeting, and the consequences will be more serious.

2. If the credit card has not been returned, you can pay the minimum amount, pay in installments, or apply to the bank for deferred repayment. If all these fail, it is recommended to find a family to make a turnover first.

(1). Minimum repayment amount: credit card can make the minimum repayment amount. As long as the cardholder returns the minimum repayment amount required by the bank on the repayment date, it will be regarded as normal repayment.

(2) Repayment by installment: If the user can't pay off in one lump sum on the repayment date, he can choose to repay by installment. Generally, credit cards can be divided into 24 periods at the longest, and users can also reasonably alleviate economic pressure.

(3) Apply for deferred repayment: If the user can't pay off on the day of credit card repayment, but can quickly turn over his own funds, he can directly contact the bank customer service and apply for credit card repayment extension.

(4) Seek family turnover first: If the user's funds are really difficult to turn around, then you can seek family and friends to turn around first, solve the bank arrears first, and avoid the risk of overdue credit cards.