All you have to do is contact the bank proactively. As a credit card holder, once he is unable to repay the loan on time due to unemployment, illness or accident, before the final repayment period arrives, it is best for the card holder to proactively contact the bank's credit card center to state his financial situation and declare his The debt was not due maliciously and applied for delayed repayment and interest discounts. In view of the cardholder's active performance and previous good credit record, the bank will often agree to defer the repayment and negotiate with the cardholder a mutually acceptable repayment plan, deferment period, interest discount, monthly repayment amount, etc. In this way, if you proactively contact the bank and get the bank's consent to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.