If the credit card is overdue for 1, yuan, the parties concerned can reach a personalized installment repayment agreement with the bank and repay 1, yuan on a regular basis. After a party's credit card is overdue for one day, he can go to the bank to negotiate and tell the bank that he is unable to repay the arrears. After examination, the bank thinks that the party is really unable to repay the arrears, and generally agrees to the request of the party to let the party repay the arrears of 1, yuan in installments. After the agreement is reached, the party shall repay the arrears on time.

Legal basis:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Article 7 Under special circumstances, if it is confirmed that the amount owed by a credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. The contents of the personalized installment repayment agreement shall at least include: (1) the balance of arrears, structure and currency; (2) the repayment cycle, method, currency, date and repayment amount of each installment; (3) whether the annual fee, interest and other expenses are collected during the repayment period; (4) the cardholder shall not apply for a credit card from any bank before the relevant funds in the personalized installment repayment agreement are fully settled; (5) the rights and obligations of both parties and the liability for breach of contract. If both parties reach an agreement and sign an installment repayment agreement, the card issuing bank and its card issuing business service institution shall stop the collection of the cardholder, unless the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Recording materials shall be kept at least until the date of settlement of arrears.