1. Explain the reasons to the bank. If you have money to pay back, you'd better settle the arrears as soon as possible! Without money, there is no way out. Communicate with bank customer service to explain the reasons for the arrears. Involving criminal responsibility, deal with it as soon as possible!

2. The phone of the bank must be answered. After the official card expired, many people were afraid. When they saw the phone call from the bank, they thought something bad had happened, so they didn't answer the phone call from the bank. Actually, this is not right. You have owed money to the bank, and the bank called you, perhaps to ask about your situation. If you don't answer the phone, the bank will think that you are overdue on purpose, or you may have run away, and treat you as a malicious overdraft and wait.

3. Continue to use the official card and repay on time. After the official card expires, some people just want to be clever and even cancel their credit cards in order not to pay back the money, but do you think the bank will cancel your card if you don't pay back the money?

4. If overdue records have appeared in personal credit information, they should be kept for five years. In the meantime, you need a health card to wash away the stains. Good card use behavior will slowly cover up your overdue record.