1. Pay off all outstanding debts as soon as possible. Ensure that the balance is received as soon as possible. First, pay off all credit card debts, including interest. It's better to save more.

2. Explain the reasons and apply for deferred repayment. After repayment, you may wish to explain the reasons for not repaying on time on the grounds that you have not received the credit card bill, and apply for "deferred repayment" from the bank to try to eliminate The chance of having a bad credit record. However, it is best not to use this reason frequently because the bank will record it every time. In addition, many banks such as Agricultural Bank of China, China Merchants Bank, Bank of Communications and China Construction Bank provide time tolerance services. Once you successfully apply for "deferred repayment", you can get a grace period of about 3 days for repayment. Finally, I need to remind you that in order to avoid making the same mistake again, cardholders may wish to apply for automatic repayment from the bank, that is, bind their salary card to the credit card to achieve automatic repayment. With such a fixed habitual repayment pattern and repayment cycle, monthly credit card repayments will become a "little effort" to save you the trouble of repaying each time. It can be said to be both convenient and effective.