If you have a credit card debt and cannot pay it back, you can refer to the following methods: \x0d\ Use the minimum repayment function \x0d\ Every bank has a minimum repayment function. As long as you pay the minimum repayment The bank will not charge late fees, nor will it affect personal credit. Generally speaking, the minimum repayment amount is 10 of the total bill amount. For example, if you spent 10,000 yuan on your bill this month, the minimum repayment is only 10,000*10= 1,000 yuan is enough. \x0d\ However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, you only need to repay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be postponed temporarily. use. \x0d\\x0d\ Utilize the installment function \x0d\ If you are under pressure to repay, you can directly apply for bill installment. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose according to your own needs. Choose the number of installments according to your repayment ability, which can alleviate the repayment pressure and will not affect your credit; \x0d\ The disadvantage is that there will be handling fees, which vary from bank to bank, usually between 0.6-0.8. \x0d\\x0d\ Change the billing date to extend the repayment period \x0d\ This is also what others call the 100-day interest-free period. Here is an example: \x0d\ Mr. Li spent 10,000 on his credit card due to demand. Yuan, but he finds that he cannot pay it back at once, and he does not want to pay the minimum or installments, so he can first extend the time for the bill to be issued by changing the bill date to extend the repayment time. Assume that his 1W will be paid in May. If the bill is issued on the 29th, then Mr. Li can call the bank to apply to change the billing date on May 28th. It can be changed to the 25th to the 27th. Then the bill will not be issued in May, and the 1W will be in June. The bill will be issued from the 25th to the 27th of July, plus the interest-free period of about 20 days for repayment. This amount only needs to be repaid around the 18th of July; if it cannot be repaid by then, it can be used again. There are two methods mentioned above. \x0d\　Note: The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once. \x0d\\x0d\ Repay by applying for a card or increasing the credit limit \x0d\ If you can apply for a new card or increase the credit limit, you can also use the card to replace the card, but this method must be used well, otherwise the ending will be the same. Therefore, the solution is to understand and familiarize yourself with several functions of credit cards, and then implement them in conjunction with these basic functions. \x0d\ Take the initiative to explain the situation to the bank and negotiate \x0d\ If you are unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason, proving that it is not malicious and that there is indeed a reason. Discuss whether it can be done Delay repayment, and never change your phone number or ignore the bank. This will destroy your personal credit, unless you will never deal with the bank again.