Many cardholders use their credit cards illegally and end up being risk-controlled by the bank. Not only is the credit card reduced, but the bank also requires a one-time repayment. However, they are not capable enough and have no money to pay back. So what should we do in this situation? Let’s find out together below. Having a credit card reduced is very unpleasant in itself, and the bank also requires a one-time repayment. This undoubtedly rubs salt into the wound and invisibly increases the repayment pressure on many cardholders. After all, if you pay it off in one lump sum, you can't apply for credit card installments, and you can't repay the minimum payment amount. You'll have to wait until it's overdue. Of course, if you really can’t afford to pay it off in one lump sum and don’t want to overdue your credit score, you can try the following methods:

1. Borrowing money from relatives and friends to repay this method seems very simple, but It is quite difficult to actually do it, and it is also a time to test the so-called family ties and friendships. Of course, don’t complain if you can’t borrow money. Everyone has the freedom to borrow money. However, if you want to borrow money smoothly, it is best to give someone a little sweetener. Make an appointment with others about the borrowing time, the repayment amount, and in addition to the principal, add some interest, which will make it easier to gain trust.

2. Negotiate repayment with the bank. If the credit card cannot be paid, you can see if you can negotiate with the bank for repayment. However, in most cases, the bank will not agree to negotiate, unless the cardholder is truly unable to repay due to unemployment, illness, or other accidents. He can call the bank to explain his financial situation before the final repayment date. , the bank will handle it as appropriate.

3. Apply for a credit card loan. It is difficult to repay a credit card at once. You can borrow money to repay through other channels, such as applying for a credit card loan to obtain funds, and then repay the credit card. This method is more cost-effective than withdrawing cash with a credit card, and it can also be repaid in installments to relieve the pressure of indirect repayment.