Apply for installment payment.

Personal credit is equivalent to the second "ID card", and the credit limit is the amount that the bank will give you to spend first and then repay with reference to your comprehensive credit score. However, if you abuse the quota and maliciously overdraw, you will still suffer.

once you become a slave, remember not to "wait for death", but to respond positively. In fact, most people don't want to be slaves. After all, they don't have to repay huge overdraft and interest, or even bear legal responsibility. However, some card friends will give up on themselves: "I owe so much anyway." Therefore, it is suggested to refer to the following four methods.

1. ideologically, control desire and achieve self-discipline. Impulse consumption is also the fundamental cause of card slavery, and the credit card quota has been eroded again and again. You need to be rational when using the card, first consider your ability to repay, and avoid paying it back later.

2. consult with the bank. If the bank collects money twice and fails to pay it back in March, it will be characterized as malicious overdraft. Even if you have no money, you should not refuse to answer the phone of the bank. It is the best policy to discuss the solution with it in time and explain that it is not a malicious overdraft.

3. Repay the minimum repayment amount. If you can't repay in full in this period, you can also choose the minimum repayment amount, usually 5%-1% of the overdraft limit. If the bill payable is 1, yuan, the minimum repayment amount calculated by 1% is 1, *1%=1 yuan.

4. Apply for bill installment. In addition to the minimum repayment amount, you can also choose to pay the bill in installments, with a maximum of 24 installments (two years). However, there will also be a handling fee, but it will not affect personal credit information. This is also a method.