1. Apply for credit card installment extension. The so-called credit card installment extension means that the cardholder can call the customer service phone of the issuing bank to apply for extending the installment number, and the bank will extend the installment number according to the cardholder's application before the installment transaction that the cardholder has successfully handled is completed, but the extension time cannot be extended.
2. Ask friends and relatives for help. If the credit card is installment, but it can't be repaid, it is suggested that you should confess to your family and ask for help to see if you can borrow money, then apply for early termination of installment, pay off the installment money in one lump sum, and then repay it to friends and relatives.
3. Liquidate your assets and pay off your debts. If you still have some assets, you should liquidate your debts first, and if possible, you should also apply for early termination of the installment. After all, credit card installment is still not available at the meeting, and various fees will be charged if it is overdue. Let's solve the immediate problems first.
4. Negotiate repayment. If you lose your ability to work and have no source of income, you can report your situation to the bank and negotiate repayment to see if you can suspend the account, and then pay off the arrears in five years. During this period, you have to repay according to the agreement.
: 1. A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
2. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you will make repayment on the Billing Date. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which cardholders have a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.