If the cardholder's credit card is overdue due to unemployment, serious illness, disability, etc., and after submitting the certification materials, it is confirmed that he is in financial difficulties, then he can negotiate with the bank for repayment and ask the bank to reduce the overdue fine and interest, which is possible. Without special reasons, it is more difficult for users to negotiate repayment. At this time, overdue fines and interest cannot be reduced. Therefore, unless there are special circumstances, the user must pay the overdue fine and interest of the credit card according to the contract. Legal objectivity:

Article 22 of the Measures for the Administration of Bank Card Business, the card-issuing bank shall charge a late fee and an over-limit fee of 5% of the unpaid minimum repayment amount and the over-limit credit amount of the credit card holder respectively. Twenty-third credit card overdraft will be charged with compound interest on a monthly basis, and quasi-credit card overdraft will be charged with simple interest on a monthly basis. The overdraft interest rate is .5 ‰ of the daily interest rate, which will be adjusted according to this interest rate adjustment of the People's Bank of China. Article 676 of the Civil Code If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.