After 4 months of overdue credit card, you should take the following measures:

1. Pay off the debt as soon as possible: First, pay off the overdue debt as soon as possible. Debts can be paid off through a lump sum or installments. Timely repayment can avoid the accumulation of interest and the expansion of overdue records.

2. Contact the bank for negotiation: Secondly, it is recommended to contact the credit card issuing bank and explain your dilemma. You can ask them to offer some repayment plans or interest exemptions to ease the burden and restore your credit.

3. Stabilize income and expenses: Pay attention to stabilizing your income and expenses to ensure that you no longer repay overdue loans. You can make a detailed budget plan and try to avoid extra consumption to better manage your financial situation.

In short, you should pay off overdue credit card debts as soon as possible and negotiate with the bank to find a reasonable solution. At the same time, it is necessary to maintain a stable financial balance to avoid falling into overdue difficulties again.

Extended information:

If you are overdue on a credit card for too long and cannot pay off the debt, it may result in a bad record on your credit report, which will have a negative impact on your personal credit score. This may affect future applications and approvals for loans, rentals, car purchases, etc. Therefore, when encountering overdue problems, it is very important to take early measures to solve them.

In addition, the bank may put forward some conditions when negotiating the repayment plan, such as adding debt guarantors or providing mortgages. You should carefully consider your own circumstances and ensure that you can assume the relevant responsibilities. If you are unable to pay off the balance and negotiations are fruitless, you may face legal action or recovery action. Therefore, when it comes to overdue credit cards, taking early action and working closely with your bank is key to solving the problem.