If your credit card is overdue for more than 180 days, you should take the following measures:

1. Contact the bank immediately: The first step is to contact the credit card issuing bank to explain the situation and seek help. They may offer some flexible repayment plans or other solutions to ease your burden.

2. Develop a repayment plan: Work with the bank to develop a feasible repayment plan. Depending on your financial situation, the bank may agree to extend the repayment period, lower the interest rate, or adjust the minimum monthly payment to help you pay off the balance over time.

3. Avoid further delinquencies: Make sure you pay all future bills on time and notify your bank before they are overdue if you are unable to make a payment on time. Avoiding further delinquencies prevents more serious damage to your credit history.

Summary: After a credit card is overdue for 180 days, it is crucial to contact the bank in time and formulate a repayment plan. Working with your bank and sticking to a repayment plan can help you gradually restore your credit history.

Extended information: Continuous overdue credit card repayments may lead to the following consequences: damage to credit history, accumulation of overdue fees and high interest, possible debt collection, being included in a credit blacklist, affecting future loans or Credit card application, etc. Therefore, it is important to take prompt action to resolve overdue issues.

Additional Information (Assumption): Assume you have contacted your bank and they do not offer an extension or other assistance. In this case, you may consider seeking help from a credit counseling agency, who may be able to advise you on restructuring your debt or negotiating repayments.