1. First, take the initiative to call the Credit Card Center of China Merchants Bank to explain the situation, and the customer service will transfer you to your local China Merchants Bank for negotiation. It may be transferred to a third party for collection after more than three months. You can ask the bank to help you apply for interest reduction and installment (although it is difficult, you can still try), and let the bank know that you have a good repayment consciousness and problem-solving attitude, so that the bank can feedback your sincerity to the credit card center, so that the collection staff can contact you and never lose contact or refuse to pick up.

2. After all this, try to make money. Even if the bank doesn't promise you right away, you should do your own thing and deal with it as soon as you have money. If you get together, you should prepare more money than the principal to go to the bank. Give positive feedback to the bank, don't miss the collection call, keep in touch with the bank, and don't let the bank think that the collection has failed, and may report the case directly.

Don't divide the bill into installments, which will only increase your debt. Even if it is not fully repaid, we must find ways to make some money and let the bank see sincerity.

1.200265438+On February 3, 2002, China Merchants Bank officially issued the first international standard dual-currency credit card in China, which opened a new era of credit card consumption in China. After more than ten years' struggle and growth, China Merchants Bank Credit Card has formed three visions of "being the best payment experience provider in China, the best consumer finance expert in China and the leading diversified marketing platform in China" and won many honors.

2. Adhering to the business philosophy of China Merchants Bank, China Merchants Bank Credit Card constantly refreshes the cardholder experience with product innovation and service upgrade, and becomes the leading brand in the credit card industry.

3. In recent years, China Merchants Bank's credit cards actively seek digital transformation, forge ahead, take the lead in building financial internet, and create a scientific and technological legend in the domestic credit card industry.