Dear, hello boss, it is illegal to ask a legitimate company for help with a credit card overdue. In order to avoid and reduce financial, credit and legal risks, the following suggestions are made: 1. Keep the communication channels with banks unblocked; 2. Avoid cashing in and borrowing from each other; 3, according to their own ability, actively and continuously repay. If the bank continues to calculate the residual interest amount according to the original overdue principal, you can refuse. You ask to calculate the interest according to the remaining principal. 5. If the bank files a lawsuit, actively respond and seek reconciliation. Of course, if the other party maliciously collects money, it should be held accountable for its illegal and criminal acts. Legal debts should be paid, but illegal demands can be rejected, and the other party's illegal and criminal activities in the name of debt collection should be severely punished.