First, contact the issuing bank as soon as possible and frankly explain your predicament. This will help to establish opportunities for communication and negotiation.

Secondly, when negotiating with the bank, the following points can be considered:

1. Request for deferred repayment: apply to the bank for deferred repayment in order to gain more time to raise funds.

2. Ask for lower interest rate: Please ask the bank to consider lowering the interest rate of credit card to reduce your burden.

3. Seek the installment plan: discuss the installment plan with the bank to pay a smaller amount every month to make the repayment more affordable.

4. Explore the option of debt restructuring: Ask the bank whether it is willing to restructure the debt and combine all the arrears into one loan, so as to facilitate management and repayment.

to sum up, when faced with the inability to repay the credit card debt, active communication with the issuing bank is the key. By asking for an extension, lowering the interest rate, or seeking installment payment, you can reduce the burden and win more repayment time for yourself. In addition, debt restructuring is also a feasible option, which can consolidate arrears and simplify the repayment process.

Extended information:

When encountering financial difficulties, some domestic banks may provide more ways to help. For example, some banks have special credit card solution departments dedicated to helping customers solve repayment problems. At the same time, it is also very important to know the relevant clauses in the credit card loan contract and the information related to policies such as deferred repayment and interest rate adjustment in the credit card agreement.