You can apply to repay only the overdue principal of your credit card. The following is a detailed explanation:

First of all, yes, if your credit card is overdue, you can apply for principal repayment only. For overdue credit card repayments, according to relevant Chinese laws and regulations, the lender (i.e. bank) is not allowed to require the borrower to pay liquidated damages or penalty interest that exceeds the unpaid principal. Therefore, you have the right to apply for principal repayment only and do not need to pay additional liquidated damages or penalty interest.

Secondly, if you want to apply to repay only the overdue principal of your credit card, there are a few things you need to pay attention to. First, contact the bank promptly and explain that you only want to pay off the principal, and proactively propose a repayment plan. This demonstrates your willingness to repay and increases the likelihood that the bank will agree to repay only the principal. Secondly, provide relevant supporting materials based on your personal situation, such as income certificate, asset certificate, etc., so that the bank can evaluate your repayment ability and credit status. Finally, reasonably arrange the repayment time and amount, and strive to reach a mutually satisfactory repayment plan during negotiations with the bank.

In short, if your credit card is overdue, you can apply for principal repayment only. However, during the application process, you must actively communicate with the bank, provide relevant supporting materials, and reach an appropriate repayment plan.

Extended information:

According to Chinese law, overdue credit card repayment is a breach of contract. Banks usually require borrowers to pay liquidated damages or penalty interest when borrowers make late repayments as compensation for the overdue behavior. However, according to Article 136 of the Contract Law and Article 121 of the Civil Procedure Law of the People's Republic of China, the lender shall not require the borrower to pay more than the unpaid principal. Liquidated damages or penalty interest. This means that borrowers have the right to apply for only principal repayment when their credit card payments are overdue, without having to pay additional penalty fees or penalty interest.

Please note that the above answers are based on Chinese laws. Different countries, regions and banks may have different policies and requirements. Therefore, in actual practice, it is best to contact the credit card issuing bank to understand its specific regulations, and decide how to handle overdue credit card repayments based on personal circumstances and legal requirements.