1. Contact the bank in time: Step 1, contact the bank immediately, explain the overdue situation and express your willingness to solve the problem.

2. Provide detailed information: provide detailed information to the bank, including overdue reasons and economic conditions. This will help banks understand your situation and consider possible solutions.

3. Request for deferred payment or installment payment: You can request deferred payment or installment payment of overdue funds. This arrangement can reduce the burden and give you more time to pay your debts.

4. Try to pay off some debts: If possible, try to pay off some debts to show your sincerity and repayment ability. This can also reduce interest and late fees.

Summary: The credit card is overdue for four months, and negotiation with the bank is the key to solve the problem. It is an effective strategy to contact the bank in time, provide detailed information and ask for deferred payment or installment payment. At the same time, efforts to pay off part of the arrears can show sincerity and repayment ability.

Extended data:

According to the situation in China market, banks are usually more willing to negotiate with customers than resort to legal means. However, due to bank policies, personal credit records, overdue amount and other factors, the specific negotiation results may be different. Therefore, it is very important to know your rights and interests and the relevant regulations of the bank before consulting the bank.