First, contact the credit card issuer at the first time, explain the situation and request an overdue grace period. Some card issuers may give you a certain grace period to give you more time to pay off your debts.

second, pay off the overdue amount in time. Repay the overdue amount as soon as possible to reduce overdue interest and fines. Repayment can be made through online banking and mobile banking.

third, make a reasonable repayment plan. If you can't pay off the arrears at one time, you can negotiate with the card issuer to make a repayment plan and repay the overdue amount in monthly installments to avoid further debt.

Generally speaking, overdue credit card bills in January will lead to overdue records, which will further affect personal credit records. Overdue records will affect personal credit score, reduce credit limit, affect the ability to apply for loans or other financial products in the future, and the possibility of obtaining more favorable interest rates. Therefore, it is very important to properly handle the overdue credit card problem in time to avoid further negative impact.

Extended information: China's personal credit record system is mainly established and managed by the People's Bank of China. The amount of credit card overdue for one month will be recorded in the personal credit report and form an overdue record. Overdue records will be kept in personal credit report for a period of time, which will have a certain impact on credit score and credit limit. Therefore, to maintain a good personal credit record, timely repayment is very important.

in addition, different credit card issuers may have different overdue treatment methods, so in practice, it is best to communicate and negotiate with specific card issuers to understand specific overdue repayment policies and measures.

The above are the answers and suggestions for the case that the credit card is overdue for one month and the credit card is overdue for one month. I hope it will help you.