1. Contact the bank immediately: Step 1, contact the bank, explain the situation to them and express your willingness to repay the arrears as soon as possible. The bank may provide some solutions, such as deferred repayment, installment payment or partial fee reduction.
2. Make a repayment plan: After consultation with the bank, make a reasonable repayment plan. This can not only ensure that the arrears are paid off on time, but also avoid further overdue fees and negative effects on personal credit records.
3. Adjust consumption habits: In order to avoid similar situations from happening again, you need to review and adjust your consumption habits. Establish a budget and strictly abide by it, buy only necessities and avoid unnecessary expenses.
Summary: In case of forgetting to repay, it is very important to contact the bank in time and make a repayment plan. In addition, consumption habits also need to be adjusted to avoid the same problems in the future.
Extended data:
Credit card is a convenient payment tool, but if it cannot be repaid on time, it will lead to a series of problems. Overdue repayment may lead to high late fees and interest, which will have a negative impact on personal credit records. Therefore, it is recommended to be cautious when using credit cards to ensure timely repayment.
Supplementary information: If the specific place or country is not mentioned in the question, please consult the local bank or relevant institutions for applicable laws and regulations. The above suggestions are generally applicable principles, but the specific operation may vary from region to region.