If the credit card is overdue, you can negotiate to repay only the principal, but whether it can be successful depends on the situation.

First of all, overdue credit card means that the cardholder fails to repay the credit card debt on time. Overdue repayment may cause damage to the credit record and incur additional fees such as penalty interest and late payment fees. For overdue credit card bills, banks generally require cardholders to repay the overdue amount in full, that is, to repay additional fees such as principal and interest.

However, under special circumstances, the cardholder can negotiate with the bank to repay only the principal. Specific situations include:

1. Financial difficulties: Cardholders encounter unexpected circumstances and are unable to repay the full amount of the credit card bill. They can negotiate with the bank to repay only the principal to reduce the financial burden.

2. Bank policy: Some banks will operate flexibly based on personal circumstances. For cardholders with good credit records, they may agree to negotiate to only repay the principal.

3. Debt restructuring: Cardholders with multiple overdue credit cards can restructure their debts with the bank and negotiate to reduce the repayment amount, including repaying only the principal.

It should be noted that whether you can successfully negotiate to repay only the principal depends on the specific circumstances and bank policies. Cardholders should understand the bank's policies in advance before negotiating and prepare relevant supporting materials, such as documents proving financial difficulties.

In short, if your credit card is overdue, you can negotiate to only repay the principal, but success or failure will depend on the situation. If the cardholder encounters financial difficulties or the bank's policies allow it, negotiating a principal-only payment is a viable option to resolve overdue issues.

Extended information:

Credit card overdue refers to the situation where the cardholder fails to repay the credit card bill on time within the specified repayment period. Late repayments will have a negative impact on the cardholder's credit history and may result in a lower credit rating or even being listed in the credit bureau. Therefore, it is very important to pay off your credit card debt on time.

For handling overdue credit cards, banks usually take the following measures:

1. Charge penalty interest and late payment fees: After overdue repayment, the bank will charge penalty interest and late payment fees in a certain proportion. Late payment fees, these additional fees will increase the repayment burden of cardholders.

2. Telephone collection and letter reminders: The bank will remind cardholders to repay the overdue amount as soon as possible through telephone collection and mailing letters.

3. Limit the credit limit and use: The bank may limit the cardholder's credit limit and suspend the cardholder's right to use the credit card until the overdue amount is paid off.

4. Take legal measures: If the cardholder fails to repay or refuses to repay for a long time, the bank may take legal measures to pursue the debt and even report overdue records to the credit reporting system.

Therefore, when cardholders encounter an overdue credit card, they should contact the bank as soon as possible to understand the specific situation and actively seek solutions to avoid further deterioration of the overdue problem.