Reference 1: All credit cards have a minimum repayment amount. Pay that back first, and the bank will not take legal action against you, nor will it affect your future credit! But don't think everything will be all right. The bank will charge five ten thousandths of interest every day until all the debts are paid off. \x0d\ Reference 2: Credit card bill installment. You can choose to call customer service a few days before the repayment date to apply for bill installment or single large installment. Of course there will be a handling fee, but there will be no interest. You can divide it into three periods, six periods and 12 periods according to your own ability. \x0d\ Reference 3: If you don't want to pay interest or handling fee, in order to pay back the credit card, take out all ways to make money and pay back the bank in RMB as soon as possible. \x0d\ Reference 4: If you don't have any source and don't want to owe money to the bank, you can only borrow some from your relatives and friends. If few friends can borrow it, ask the boss for a salary first, because it's a shame to borrow money to pay back the credit card.