1. Cardholders with overdue credit cards can call the bank to negotiate repayment. The cardholder explained to the bank that due to special reasons, the credit card installment repayment was overdue.

2. If the credit card is overdue for a long time, the bank will hand over the arrears to a third-party collector. At this time, the cardholder will reach a repayment agreement with the third-party collector to repay.

3. If the credit card is sued by the bank within the time limit, the cardholder must negotiate with the lawyer for repayment.