1. Take the initiative to contact and communicate with Shanghai Pudong Development Bank to inform the reasons for not repaying in time to prevent the credit information from being blacked out. Generally, no credit investigation will be conducted within three days after the deadline.

2. Negotiate a fixed repayment to ensure repayment.

3. Record the whole negotiation process.

4. The bank can't promise to repay only the principal, but can only discuss how to repay the principal and interest separately on a regular basis.

Pay back a part first, not too much, so that the bank can feel your sincerity.

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