Under normal circumstances, if the credit card is seriously overdue, but the debtor has a strong willingness to repay, the bank does have the opportunity to negotiate repayment with the user and reach an agreement in this way. At this time, the bank will ask you to write a statement about your financial situation and include this statement in the terms of negotiated repayment.

You need to actively consult the bank staff.

Because each bank has different procedures for negotiating repayment, the materials needed are also different. I don't know which bank credit card you owe. At present, the mainstream credit card business department on the market will have special staff to connect with you. You can take the initiative to ask them how to write this instruction, and write it in strict accordance with the relevant format.

You can also write your own basic situation and submit as many materials as possible.

Sometimes users may not be able to contact the bank staff. At this time, users can take the initiative to sort out their basic information. You can collect materials that can prove your property status, preferably reflecting your monthly income, so that the bank can judge your income status more accurately. These materials are an important basis to prove that you are temporarily unable to repay in full, and the bank will also review your materials.

You can write a statement showing your income.

If the bank staff doesn't provide you with a template, you can write down your current income in concise words and at the same time write down how you expect to negotiate repayment. Because your credit card is overdue at this time, you must consider your repayment ability when applying for repayment by agreement. If the application for negotiated repayment is still overdue, you are likely to bear legal responsibility at this time, because you have breached the contract for the second time.