1. If you owe too much on your credit card and have sufficient funds in hand, you can choose to pay it off at one time, so you will have no worries. It is really impossible to repay in full. See if we can reduce the repayment pressure by installment and minimum repayment amount. It is important to avoid overdue.

2. If you have no money to repay, and you can't make installment or minimum repayment, confess with your family before the repayment date expires to see if you can repay with the help of your family; Or borrow money from relatives and friends to repay, no matter what, as long as you can raise money to repay, but don't support loans with loans, but support cards with cards. Robbing Peter to pay Paul will only make the debt roll more and more.

If you owe too much and can't borrow money to repay, there is really no way to overdue. You should also raise money to repay in a short time as soon as possible. The longer the credit card is overdue, the more terrible it is. If the payment is overdue for more than 3 months and the expenses incurred are relatively high, you can try to negotiate repayment with the bank to see if you can reduce interest or repay in installments.

4. In the process of paying back the credit card, you must ensure that you have a stable income and work, increase revenue and reduce expenditure, and save some unnecessary expenses, so as to pay back the arrears as soon as possible. If the credit card is overdue after being paid off, remember not to cancel the card, you can continue to use it and maintain a good credit.