1. You can apply for repayment by installments. After the credit card is overdue, the cardholder usually still has the opportunity to apply for installment repayment to ease the repayment pressure.

2. Conditions for applying for repayment by installments:

A. Cardholders need to contact the issuing bank and explain the overdue situation to express their willingness to repay by installments.

B. The bank will decide whether to approve the installment repayment application according to the credit status of the cardholder, repayment records and other factors.

C. if the application is approved, the cardholder can discuss with the bank the specific way and time schedule of repayment by installments.

3. Advantages of installment repayment:

A. Installment repayment can spread the overdue amount over the next few months and reduce the economic burden brought by one-time payment.

B. the cardholder's credit record can be maintained to avoid further influence on personal credit rating.

C. installment repayment provides a reasonable repayment option for cardholders who cannot repay in full in an emergency.

4. important note:

a. installment repayment is not left unchecked, and the cardholder still needs to fulfill the installment repayment agreement on time, so as to avoid adverse consequences caused by overdue again.

B. Applying for installment repayment may involve certain fees or interest, which is subject to the bank policy.

conclusion: after the credit card is overdue, the cardholder can apply to the issuing bank for installment repayment to ease the repayment pressure. Repayment by installment needs to contact the bank and meet certain conditions, and can allocate the overdue amount to the next few months for repayment, while maintaining personal credit records. However, installment repayment still needs to fulfill the agreement on time, and may involve handling fees or interest.