(A) the use of the minimum repayment function

Every bank will have a minimum repayment function. As long as the minimum repayment amount is paid, the bank will not charge late fees and will not affect personal credit. Generally speaking, the minimum repayment amount is 10% of the total bill.

But the minimum is to charge interest, five ten thousandths of interest every day, so you only need to pay the minimum. Although the pressure will be reduced, it will generate compound interest, which will be more troublesome and can only be used for temporary relief.

(B) the use of staging function

If there is pressure on repayment, you can directly apply for bill installment. Generally, banks provide the total energy of phases 3, 6, 9, 12, 18, and 24. You can choose the number of phases according to your repayment ability, which will not only ease the repayment pressure, but also affect your credit.

The disadvantage is that there will be a handling fee, which varies from bank to bank, generally between 0.6% and 0.8%.

(3) Change the bookkeeping date and extend the repayment period.

Note: The billing time cannot be changed at will. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once.

(4) Return by card or withdrawal.

If you can apply for another card or withdraw the amount, you can also use the card for the card, but this method must be used well, otherwise the outcome will be the same, so the solution is to understand and be familiar with several functions of the credit card, and then cooperate with these basic functions to achieve it.

(five) take the initiative to negotiate with the bank to explain the situation.

If you really can't pay for it for a while because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there is a reason, and discuss whether you can postpone the repayment.

(6) First ask friends and relatives to borrow money for turnover.

If the bank does not agree to negotiate repayment, it is suggested that you can find your family first, or borrow money from relatives and friends to pay off the credit card debt. After all, if the credit card is not paid off for one day, it will continue to generate overdue interest. Therefore, if you can borrow money from your friends to return the credit card first, you can also relieve the pressure, and then slowly return the credit card to your relatives and friends.

In life, even if the credit card is not returned, you should keep in touch with the bank. Don't ignore the bank's phone number, and even get a new mobile phone number to avoid paying off the credit card debt. This will affect your personal credit. The bank's personal credit is networked nationwide. If you maliciously default on the bank's credit card debt, your credit life in all banks will be affected in the future, and even you will be sued by the bank for malicious overdraft, which may lead to imprisonment.