1. Contact the credit card company: Cardholders should proactively contact the credit card company to inquire about how to make repayment. The credit card company may recommend an alternative payment method, such as a check or online payment.

2. Pay the minimum amount: If the cardholder can only pay the minimum amount, please try to pay the minimum amount. This way you can avoid fines and late fees and maintain a good credit score.

3. Seek help: If the cardholder cannot pay the minimum amount, please actively contact the credit card company and request payment arrangements. Credit card companies may offer installment plans or other means of assistance.

4. Seek professional consultation: If the cardholder finds that he cannot repay the entire amount owed, please seek professional consultation. You can talk to a credit counseling agency or a financial counselor for advice on how to re-establish your credit history.

What will happen if you owe money on your credit card?

1. Make collection calls or send text messages to people whose credit cards are overdue.

2. If you are overdue more than 6 times and fail to pay back once, you will be blacklisted by the "Personal Credit Information System" of the People's Bank of China. The bank will freeze the credit card account of the overdue person and reimburse the overdue person. Join the blacklist, and the debt record may be fed back to the personal credit reporting system of the People's Bank of China, affecting the cardholder's personal credit history; causing the cardholder to be unable to apply for a housing mortgage loan normally.

3. If the overdue amount of the credit card is large (principal of more than 10,000 yuan), the overdue amount is more than 3 months, and the bank has not paid back after two collections, it is a malicious overdraft on the credit card and constitutes credit card fraud. If the amount is relatively large, he shall be sentenced to fixed-term imprisonment of not more than 5 years; if the amount is huge, he shall be sentenced to fixed-term imprisonment of not less than 5 years and not more than 10 years. If the amount has been paid in full before judgment, the criminal penalty may be reduced or exempted.