First of all, try to negotiate with the collection staff. If only you have the willingness to repay, the other party won't keep pestering you, but if you don't pay it all the time, others will violently collect it. You can negotiate with the bank to repay it first. When someone calls to harass you, you can also record on your mobile phone, and at the same time try to save money in your daily life. The main task now is to make up the overdue loans as much as possible and see if we can apply for installment repayment for the overdue amount.
If once your credit card is overdue, these are all connected with the personal credit information platform, and there will be relevant overdue records in your personal credit information, so try not to use credit cards and never learn to spend in advance. Although we can enjoy things we can't afford in advance, it will also bring us great economic pressure, especially in the use of credit cards, so we must be cautious.
At present, many banks can apply for credit cards for free, and there are certain discounts if they use them. There is no need to pick up such petty advantages. If the credit card owes money, you must repay it in time. Don't keep procrastinating. After you have problems with your personal credit information, you will not be approved when you apply for a mortgage again. If you do have some financial difficulties, it's better to borrow money from your friends instead of withdrawing money from your credit card.