According to the query on the Lutu website: If the credit card installment has expired and has not been paid off, you can take the following measures:

1. Contact the bank customer service. Explain your repayment difficulties and request to re-instalment or extend the installment period.

2. Seek help from relatives and friends. If possible, borrow money from family or friends and pay off the balance in one lump sum.

3. Asset realization. If you have assets on hand, consider liquidating them to pay off debt.

4. Negotiate repayment. If you are unable to repay the debt due to special reasons, you can apply to the bank for an interest suspension or a personalized repayment agreement to pay off the debt over several years.

5. Reissue a new card. Banks usually proactively contact customers before the credit card expires to ask whether to renew a new card. After the new card is activated, you can use the new card to make purchases, and the balance owed on the old card will be transferred to the new card.