Contact the bank promptly to negotiate solutions.

1. Contact the bank to see if there is an overdue record and whether it can be remedied in time.

2. First of all, if the repayment time has passed, repay as soon as possible to ensure that the debt is made up. 3. If an overdue record occurs, the card cannot be canceled, otherwise the overdue record will not be eliminated.

Therefore, you need to pay off the debt, continue to use your credit card, remember to repay in time, spend more, and restore the limit.

4. Make sure your mobile phone is open. The bank may remind you to pay back the money in time to avoid overdue payment.

5. Never pay back the money, as it will disappear and the bank will not be able to contact you.

Because credit card debts, interest compounding, and interest compounding are very scary, and the bank will sue and ask the court to enforce it.

6. If overdue records occur, make sure that no more overdue records occur within the next five years. After five years, the overdue records will be cleared.