1. Cardholders can choose to repay only the principal on the credit card repayment date, but this repayment method will always generate interest on the debt. The longer the time goes, the more interest will accumulate. In this way, the debt will never be paid off;

2. If the cardholder owes the credit card for a long time and the amount is large, he can negotiate with the bank whether he can only repay the principal. After the cardholder explains his difficult situation, if the bank allows, he can only repay the principal.

The above is the relevant content on how to only repay the principal amount due to a credit card. What should I do if I can't pay off my credit card debt?

1. Before the final repayment period, the cardholder must actively contact the bank by phone to indicate his or her financial situation and state that he or she is not Deliberately arrears and applies for delayed repayment and interest discounts;

2. Banks usually allow deferment of repayment and negotiate with cardholders for a mutually acceptable repayment plan, but there are some things to note Yes, you must repay as promised in the future;

3. If you forget to repay and find that the payment is overdue, you need to repay in full as soon as possible;

4. Overdue credit card repayment The bad credit record caused by the payment will be kept in the personal credit system for 2 years. Therefore, after an overdue credit card occurs, you need to continue to use the credit card for 2 years and cover the overdue record with a new credit record.

This article mainly writes about the knowledge points about the method of only paying off the principal of a credit card, and the content is for reference only.