you can apply for installment business for the arrears of credit card consumption. If it is a single consumption, it can be paid in 12 installments, and the handling fee rate for each installment is .65%. Monthly payment: handling fee 55 x .65%+principal 55÷12=35.75+458.33=494.8 yuan.

if the repayment of 1 yuan exceeds the amount paid in each installment, the bank will not deduct more, but will deduct 494.8 yuan, and the remaining amount will still be in the credit card.