It is recommended that you negotiate with your bank. Can be repaid in installments. Or the minimum payment.

Solutions for overdue credit cards:

1. If the cardholder forgets to repay the payment and finds that it is overdue, he must repay it as soon as possible. It is best to repay the full amount, and it is best not to pay it back immediately. Cancel credit card. In this way, the bank will not record bad records. Cardholders should take the initiative to contact the bank's credit card center before the repayment period. The bank may not count bad records;

2. Overdue credit cards due to unemployment, illness and other reasons. When repaying, you must repay on time after applying for an extension;

3. Credit card repayment information is rolled over by the central bank’s credit reporting system for 24 months, and records of overdue credit card repayments will be kept in the credit reporting system for two years. , if it is found that the card is overdue and paid off, the card will be canceled directly. Call the bank's credit card center and apply for deferred repayment or installment repayment;

4. The cardholder takes the initiative to apply for deferred repayment, and the bank will often agree to the extension. The bank and the cardholder agree on an agreement acceptable to both parties. Repayment plan. Therefore, when the cardholder is overdue, the information will not be rolled over, stating that the debt is not malicious, and overdue interest and late fees will be incurred;

5. Bad credit record;

6 , the bank will collect the debt, it is best to insist on using it for more than 2 years, explain your financial situation, and declare that you do not owe money maliciously.