1. Take the initiative to call the bank's customer service, communicate with the staff, and tell them why they didn't repay in time, and explain when they can repay.

2. go to the counter of the bank's business outlets to negotiate and determine the repayment time, and guarantee that it will be returned.

3. record the whole negotiation process.

4. It is impossible for the bank to promise to repay only the principal, so we can only discuss how to repay the principal and interest separately on a regular basis.

5. Pay back a part first, not too much, so that the bank can feel your sincerity.