First of all, how to negotiate with the bank for a credit card that is four months overdue can be solved through the following points:

First, contact the bank in time. Contact the bank as soon as possible and explain your situation and express your sincerity in paying off the debt.

Second, proactively propose a repayment plan. When communicating with the bank, you can propose a reasonable repayment plan, including installment payment or delayed repayment, to reduce your repayment pressure.

Third, seek help and support from banks. You can ask the bank whether there are relevant exemption policies or interest rate concessions to reduce the overall repayment amount and also show that you have a positive attitude.

Summary: For credit card issues that are four months overdue, active communication and negotiation with the bank is the key to solving the problem. Prompt contact, proposing a reasonable repayment plan, and seeking support from your bank can help find a mutually acceptable solution.

Extended information: When faced with an overdue credit card, it is recommended to contact the bank as early as possible and submit a repayment plan to avoid further impact on personal credit history. In addition, different banks may have different policies and measures when dealing with overdue credit card issues. Please communicate with your bank based on your specific situation.