Legal analysis: If the credit card is overdrawn and the repayment date is not reached, you can apply for installment repayment. If the funds can only be repaid in one or two days, you can use the bank's deferred repayment service, which generally has a deferred repayment service of 1-3 days.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.