If you want to apply to repay only the principal of your credit card without paying interest and late fees, you can follow the following points:

1. Communicate with the bank: First, you need Contact the bank that issued your credit card and state your preference for principal-only payments. You can communicate with them by phone, email or in person at a bank branch.

2. Explain the reasons: When communicating with the bank, explain clearly the reasons for late repayment. There may be special circumstances that prevent you from repaying your loan on time, such as emergencies, health problems, etc. Providing a reasonable explanation will increase the likelihood that the bank will consider your application.

3. Provide supporting documents: According to bank requirements, you may need to provide relevant supporting documents to support your application for principal repayment only. These documents may include medical certificates for emergencies, documentation for job changes, etc. Be sure to provide authentic and valid documents.

Summary:

To apply for repayment of only the principal of a credit card, you need to communicate with the credit card issuing bank and explain the reason for the overdue repayment. Providing the necessary supporting documentation can increase your chances of success. Remember, good communication and cooperation with your bank are crucial during this process.

Extended information:

According to relevant Chinese regulations, banks have the right to require borrowers to repay the full amount of the credit card on time, including principal, interest and penalties. However, in some cases, if special reasons prevent full repayment, you can negotiate with the bank to repay only the principal. Each bank may have different policies on this, so it is recommended that you learn more about the relevant bank's regulations and requirements before proceeding.

Please note: The information provided above is for reference only, and the specific operation needs to be determined based on your personal situation and actual situation. It's best to consult a professional or contact your credit card issuing bank for accurate guidance.