Under normal circumstances, it is impossible to reduce the liquidated damages and penalty interest for overdue repayment of credit cards through negotiation. Due to the user's own breach of contract, liquidated damages and penalty interest are caused. Moreover, both liquidated damages and penalty interest are automatically settled by the system.

If the credit card is overdue for a short time, the user can repay it as soon as possible to minimize the adverse effects. But there is really no repayment ability, you can also try to negotiate repayment with the bank.