Legal analysis: First, contact the bank account manager to see whether overdue records have been generated and whether they can be remedied. It is extremely unfavorable to negotiate repayment to ensure smooth mobile phone communication and never stop repayment, so that the bank can't contact you. Try your best to repay, draw up a feasible repayment plan and reliable information to prove the current situation of funds, show a statement that there is no malicious overdue record, and negotiate repayment with the bank.

Legal basis: Measures for the Administration of Credit Card Business

Article 17 Cardholders may overdraw their consumption within the limits and time limits stipulated in these Measures. The overdraft limit of gold card is 654.38+00000 yuan, and ordinary card is 5 yuan.

Article 18 The longest overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Article 678 of the Civil Code of People's Republic of China (PRC), the borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.