1. Make a repayment plan: negotiate with the bank to make a repayment plan and gradually repay overdue funds according to your own financial situation. The bank may agree to extend the repayment period or reduce the interest rate to help you gradually pay off your debts.
2. Seek personal financial help: You can consult professional financial institutions or lawyers for their advice and help. They can help you evaluate your financial situation, make a reasonable repayment plan and negotiate with the bank.
3. Increase income and reduce expenditure: In order to speed up the repayment process, you can consider increasing your own income sources, such as finding additional part-time jobs or starting a sideline business. At the same time, we should review our own expenses and make a reasonable budget in order to manage funds better.
Generally speaking, to solve the problem of credit card overdue for more than one year, you need to contact the bank for help and advice. At the same time, making repayment plan, seeking professional help, increasing income and saving expenses are all effective ways to solve this problem.
Extended data:
Overdue credit cards will have a negative impact on personal credit records, which may lead to a decline in credit rating and even be blacklisted in personal credit information system. This has a great influence on personal credit and financial activities in the future, such as applying for loans and buying a house. Therefore, when encountering the problem of overdue credit cards, we should take timely action and communicate with banks to solve it, so as to reduce the possible negative consequences.
Note: The above suggestions are for reference only, and the specific solutions should be implemented according to personal circumstances and relevant laws and regulations. If necessary, it is recommended to consult a professional.