1, the cardholder can report by contacting the legal affairs department of the local credit card center of the bank or calling the customer service center.
2. The customer service will give a work order to the background department after receiving the order, and the corresponding department will get in touch with the cardholder after receiving the order.
3. You can try to write a waiver application to the bank, stating that due to special circumstances such as unemployment, illness or other matters, economic difficulties cannot be improved in the short term, and you can apply for a waiver of late fees and interest. "But you need corresponding evidence to prove the above facts.
Legal basis: Article 590 of the Civil Law of People's Republic of China (PRC), if the contract cannot be performed due to force majeure, the liability shall be exempted in part or in whole according to the influence of force majeure, except as otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be informed in time to reduce the possible losses to the other party and provide proof within a reasonable time. If force majeure occurs after the delay in performance, the parties concerned shall not be exempted from the liability for breach of contract.