1. You need to call the customer service staff of the bank in time, take the initiative to negotiate repayment with the bank, show your willingness to repay, explain the reasons for your inability to repay, and wait for the approval of the bank.

2. If the bank does not accept the agreed repayment, the debtor can only pay off the debt in one lump sum.

3. If the credit card is overdue for a long time, the bank will generally take the initiative to negotiate with you, but it is best not to wait for the bank to take the initiative, because the overdue interest will continue to increase.

4, explain the reasons for overdue and economic difficulties, and apply for extension or installment repayment. The purpose of this is to let the bank know that you have a positive willingness to repay, which is conducive to the next negotiation.

Under normal circumstances, the credit card is overdue for less than three months. When the bank collects money internally, you can't refuse the phone. You should take the initiative to consult the bank repeatedly.

Credit cards overdue for more than 3 months may be prosecuted.

1. Credit cards are divided into malicious overdue and non-malicious overdue. Malicious overdue may be sued by the bank. Credit card holders who overdraw their credit cards due to illegal possession, exceed the prescribed limit or exceed a certain period of time, and still fail to repay after two effective notices from the issuing bank for three months, will be prosecuted for malicious overdraft.

2. If the amount owed is not large or the annual fee is overdue, the general bank will not sue, but will only call for collection. In addition, according to relevant laws and regulations, arrears of more than 5,000 yuan are malicious overdrafts and will be included in the blacklist of credit card fraud.