1. Apply for repayment by agreement: the cardholder can directly call the customer service phone of the issuing bank to show the staff that he is unable to repay, apply for reducing the repayment interest or handling fee, and delay the repayment period. After the bank approves, he can repay according to the new repayment plan.

2. Apply for installment repayment: If the cardholder can't pay off the debt in one lump sum, he can apply to the bank credit card center for installment repayment of the bill, so that he can pay back a little each installment and pay it back slowly.

3. Apply for the minimum repayment amount: If the cardholder has cash flow problems in a short time, he can apply for the minimum repayment amount from the bank credit card center, and only need to repay 10% of the bill amount in the current period, and then wait for the remaining amount to be repaid in the next period.