You can use the minimum repayment function: every bank will have the minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill. For example, your bill consumption this month is 10000 yuan, and the minimum repayment amount is only 10000 yuan. But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

Use installment function: If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit. The disadvantage is that there will be a handling fee, which varies from bank to bank, generally between 0.6% and 0.8%.

Pay back the money by issuing a card or withdrawing cash: If you can reissue a card or withdraw cash, you can also exchange it for a card, but this method must be used well, otherwise the result will be the same, so the solution is to understand and be familiar with several functions of a credit card, and then cooperate with these basic functions to achieve it.

Take the initiative to negotiate with the bank to explain the situation: if it is really because of special circumstances such as work, you can take the initiative to call the bank to explain the reasons, prove that it is not malicious and there is a reason, and discuss whether you can postpone the repayment.