Legal analysis: 1. First of all, it is strongly recommended that if you can have relatives and friends to help you, you should first ask them to help you repay your credit card debt; 2. If you really cannot repay your credit card debt, you can call the police first. Call the service phone number of the credit card issuing bank for verbal filing; 3. After being released from prison, go to the bank card center of the municipal branch of the credit card you hold and submit a written application; 4. The bank has a special business process to accept interest-free applications, and the staff We will conduct a comprehensive settlement of the credit card debt, calculate the repayable principal, interest and other related expenses, and report the process; 5. After the bank review and approval process is completed, the principal can be returned.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" Article 70: Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's ability to repay, and the cardholder is still willing to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years. The contents of the personalized installment repayment agreement should at least include: (1) the balance, structure, and currency of the debt; (2) the repayment cycle, method, currency, date, and amount of each installment; (3) the repayment period Whether annual fees, interest and other charges will be charged; (4) The cardholder shall not apply for a credit card from any bank before all amounts related to the personalized installment agreement have been settled; (5) The rights and obligations of both parties and Liability for breach of contract; (6) Other matters related to repayment. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collections from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.