1. Use 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. However, the minimum is to charge interest, five ten thousandths of interest every day, so it is only necessary to pay the minimum. Although the pressure will be reduced, compound interest will occur, which will be relatively troublesome and can only be used for temporary delay.

2. Use the staging function.

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

3. Change the billing date to extend the repayment period.

The billing time can't be changed casually. 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. Take the initiative to negotiate with the bank.

if you are unable to repay your credit card due to serious illness, you should negotiate with the bank to extend the repayment period or return it in installments.

1. Will you go to jail if you owe a credit card?

1. If you owe a credit card, you may not go to jail if you don't sue in the bank. It depends on the specific situation.

2. If the credit card is not repaid at maturity, it is a breach of contract in civil law, and the debtor should bear the corresponding liability for breach of contract according to the terms of use of the credit card.

3. Under normal circumstances, if the credit is overdrawn with malicious intent for more than 5, yuan, and the cardholder takes illegal possession for the purpose, and fails to return it for more than 3 months after being urged twice by the issuing bank, criminal responsibility shall be investigated for the crime of credit card fraud.

2. How to recover the credit information when the credit card is overdue

1. Pay off the debt immediately: once you find yourself overdue, the user should pay off the debt immediately, and then contact the customer service of the bank to inform them that he is not maliciously overdue and has already returned the debt, and apply to the bank not to report his overdue record to the credit information to ensure that the debt will be repaid as scheduled in the later period. So as long as the user is overdue for the first time, the general bank will agree to the user's repayment application.

2. Appeal can be made: If the user is not maliciously overdue, but finds that the bank has reported his overdue record to the credit investigation when he is overdue, the user can contact the bank to explain the situation at this time. After the bank recognizes the user's original status, he can apply for cancellation of the credit investigation and appeal to the credit investigation center. As long as the bank's supporting documents are available at the time of appeal, the appeal can generally be successful.

3. Take advantage of the time tolerance of the bank: As we said above, the bank has a grace period, so users should find out the specific term of their credit cards and the final repayment time, so as not to get credit information.

4. Credit coverage: If the fact of credit reporting can't be recovered, users don't have to worry at this time, and the record of overdue repayment will not accompany us. As long as users guarantee not to generate any record of overdue repayment in the later period, they can cover their credit reporting after 2 years, and the bad credit reporting records will completely disappear from the credit reporting system after 5 years.

if you can't repay the money from the bank due to illness, you can first communicate with the bank to apply for deferred repayment or installment payment, and you can communicate with the bank to explain the situation and apply for preferential treatment under special circumstances.

Legal basis:

Article 242 of the Civil Procedure Law of the People's Republic of China

If the person subjected to execution fails to perform the obligations specified in the legal documents according to the execution notice, the people's court has the right to inquire about the property of the person subjected to execution, such as deposits, bonds, stocks, fund shares and so on. The people's court has the right to seize, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. The property inquired, seized, frozen, transferred or changed in price by the people's court shall not exceed the scope of the obligations that the person subjected to execution shall perform. When the people's court decides to seize, freeze, transfer or change the price of property, it shall make a ruling and issue a notice of assistance in execution, and the relevant units must handle it.

Article 243rd

If the person subjected to execution fails to perform the obligations specified in the legal document according to the notice of execution, the people's court has the right to detain and withdraw the income of the person subjected to execution that should perform the obligations. However, the necessary living expenses of the person subjected to execution and his dependents should be retained. When withholding or withdrawing income, the people's court shall make a ruling and issue a notice of assistance in execution, which must be handled by the unit where the person subjected to execution belongs, banks, credit cooperatives and other units with savings business.