1. If you can't repay the debt by the repayment date, choose the minimum repayment amount or installment payment. Although you have to pay a lot of interest, you will not be blacklisted because of overdue.

2. At present, most banks provide credit card tolerance service, which can provide cardholders with a buffer repayment time of up to 3 days. If the overdue debt is less than 10 yuan, it can be accumulated to the next bill to be paid off, without affecting the personal credit record.

3. If you have unused credit cards, you'd better cancel them in time. When canceling, it must be emphasized that the customer number and account number are cancelled together. Avoid being confused and blacklisted because of the annual fee.

4. Look at the annual fee-free rules of credit cards. At present, most banks stipulate that once you apply for a Platinum Card, the annual fee will be automatically withheld, regardless of whether it is activated or not, as long as the card is successful; In addition, the rules of annual fee exemption for Jinpuka vary from bank to bank. Some of them are free of annual fees in the first year, and they need to be swiped for a certain number of times in the second year, or they need to use points to offset the annual fees. Users are also requested to read it clearly when applying, so as to avoid personal credit information being affected by the annual fee problem.