After your Rural Commercial Bank credit card is overdue, you can take the following measures to negotiate:

1. Actively contact the bank’s customer service: Get in touch with Rural Commercial Bank’s customer service as soon as possible and explain your overdue situation and willingness to repay, and request an extension of the repayment period or a personalized installment repayment plan.

2. Provide relevant supporting materials: When negotiating with Rural Commercial Bank customer service, provide relevant supporting materials, such as income certificate, difficulty certificate, etc., to prove your repayment ability and repayment plan.

3. Active communication: During the negotiation process, maintain a positive attitude, communicate patiently, listen carefully to the bank’s opinions and suggestions, and strive to reach a unanimous repayment agreement.

4. Comply with the repayment plan: If you reach an agreed repayment agreement with the Rural Commercial Bank, you must strictly abide by the repayment plan to avoid being overdue again.