After the credit card expires, you can negotiate to only repay the principal. The following are detailed instructions:

1. After the credit card is overdue, you can negotiate with the card issuer to only repay the principal.

2. Specific negotiation content:

a) Extending the repayment period: After negotiation with the card issuer, the repayment period can be extended to reduce the burden.

b) Adjust the interest rate: You can negotiate with the card issuer to adjust the interest rate to reduce the repayment pressure.

c) Installment payment: The debt can be repaid in installments to reduce the pressure of one-time repayment.

d) Waiver of late fees: It is possible to negotiate with the card issuer to waive some or all of the late fees.

e) Suspension of credit records: During the negotiation process, the reporting of relevant overdue records may be suspended.

3. Summary:

You can negotiate with the card issuer to only repay the overdue principal of the credit card, and extend the repayment period, adjust the interest rate, pay in installments, waive late payment fees and suspend credit reporting. Records and other methods to help reduce the pressure of repayment.

4.

Extended information:

In actual operation, negotiating repayment requires communicating with the specific card issuer and reaching a consensus. Each card issuer's policy is different, so the outcome of the negotiation will vary. It is recommended to contact the card issuer promptly after the due date and explain your willingness and ability to repay in order to find the best solution.