If your credit card is overdue for one year and you can't afford it, you can try to negotiate with the bank for repayment and extend the repayment date.

If it is only for a short period of time, it is recommended to make the minimum repayment. It is not considered overdue and will not affect your personal credit score, but the bank will charge a certain amount of interest. If the payment is not due for a long time, such as being overdue for more than three months, the liquidated damages and interest incurred will be very high; if there is no requirement for credit reporting and there has been no demand for bank loans in recent years, you can choose to negotiate personalized installments and stop collection. Stop liquidated damages and interest, stop being sued, and repay in up to 60 installments over 5 years (installment policies of different banks vary).

Every bank has a large number of credit card businesses. According to statistics, as of June 2020, the total number of credit cards (including debit and credit cards) of major commercial banks in my country has exceeded 700 million! In 2019, the total amount of outstanding credit cards that were overdue for six months reached 74.266 billion yuan. Data released by the People's Bank of China shows that the total outstanding credit card credit overdue for six months in 2020 was 83.864 billion yuan, an increase of 12.92% compared to 74.266 billion yuan in 2019. Every bank has a large number of overdue credit cards every year, and banks can only handle those important customers and important business. According to the annual report data released by Minsheng Bank, the cumulative number of Minsheng credit cards issued in 2020 was 61.6714 million, the credit card overdraft balance was 462.309 billion yuan, and the credit card non-performing rate was 3.28%, an increase of 0.8 percentage points from the end of the previous year; China CITIC Bank issued a total of 92.6214 million credit cards. The balance of credit card loans is 485.232 billion yuan, and the balance of credit card non-performing loans at the end of 2020 is 11.561 billion yuan; even for China Merchants Bank Credit Card, the king of retail, from 2018 to 2020, the non-performing rates of credit card business were 1.11%, 1.35%, and 1.66% respectively.

Bank credit cards are all assigned to specific account managers. Each account manager manages a large number of credit cards and can only classify them into priorities, important, generally important, unimportant, and particularly unimportant, and then conduct business processing. Even if a large number of credit cards are overdue, it is not important to any account manager. Therefore, the bank will neither remind you nor issue overdue collections if your credit card is overdue.