Hello, if you haven’t tried the following solutions after the credit card installment:

1. As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, At this time, before the final repayment period arrives, the cardholder is best to call the bank's credit card center to state his financial situation, declare that he does not owe money maliciously, and apply for delayed repayment and interest discounts.

2. If you forget to repay due to negligence, you must repay as soon as possible after it is overdue, preferably in full. Then call the bank's credit card center and state that the debt is not malicious. If the record has been good in the past and the overdue time is short, and it is found that the repayment is good after the overdue period, it may not be recorded as a bad record. Don't be careless in the future. Be sure to pay attention to the bank's bill notifications and collection information to avoid overdue payments.

3. If you really can’t afford to pay off your credit card after installment, in order to avoid getting a bad credit report, you can repay the minimum amount, which will give you some room for relief. If it doesn't work, you can borrow money from relatives, friends or some loan platforms. I hope my answer can help you.