1. Clearly express repayment intention. First of all, when you are sure that you can't repay, you should first express your willingness to repay, explain the reasons why you can't repay temporarily, and coordinate with the bank to formulate a repayment plan acceptable to both parties, so that even if the bank sues, you can be sure that you are not subjectively and maliciously in arrears. And make repayment intentions and plans with the bank. The bank must pick up the phone and keep it open. Don't shut down or shut down because you are afraid of being dunned. You must discuss carefully when you connect the phone. Make sure that the bank can find you every time it contacts you, so that the bank won't think you are missing, and the bank won't sue you easily. 3. Take the initiative to repay every month, and pay as much as you can. You can't change a penny, even a hundred or a few hundred. At the very least, let the cardholder feel that you have the intention to repay. 4. With the help of a third party. For example, using the repayment APP to repay, the maximum can reach 50,000, which can generally meet the repayment demand. After applying for bill installment, you can postpone repayment for 30 days.