It's best to find out the reasons why the credit card can't be repaid due to force majeure, such as being hospitalized and losing assets due to natural disasters. The key is to provide relevant information to prove, otherwise the bank will not agree to negotiate with lip service, especially the proof of poverty is indispensable. Reasons for not being able to repay credit cards, income of family members, etc. It must be clearly written and sealed by the village Committee or neighborhood Committee.