According to Article 108 of the General Principles of Civil Law: "The debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. " Therefore, it is certain that the debtor must repay the debt.

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, if the annual interest rate agreed by both parties does not exceed 24%, the lender has the right to require the borrower to pay interest at the agreed interest rate. However, if the interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, the interest exceeding the annual interest rate of 36% shall be deemed invalid.

Therefore, it is suggested that the parties should negotiate first and then solve the problem through legal channels.

1, select the minimum repayment amount.

Doing so can maintain the normal repayment of credit cards with the least amount of money, and personal credit information will not be affected. This service is not free. As long as the minimum repayment amount is selected, the consumption in the current bill will no longer enjoy the interest-free period, and the bank will charge five ten thousandths of interest from the date of consumption.

2. Choose installment repayment.

If you can't pay off the debt in a short time, you can choose the statement for full installment, and try to choose the longest term, which can not only minimize the financial pressure, but also reduce the risk to the card compared with the minimum repayment amount.

3. Apply for bill change

Some banks allow cardholders to change their bills. If you are only temporarily short of money and don't want to pay more bank interest, then updating the bill can be said to be the best choice, but remember to apply for change before billing. As long as the change is successful, you will get a longer interest-free period, thus alleviating the pressure of capital turnover, without affecting your personal record, and even saving interest and handling fees.

4. Apply for deferred repayment

If you can raise the repayment money in a day or two, you can use the bank's deferred repayment service. Now many banks have delayed repayment service. It usually takes one to three days, but it's best to call in advance to find out the law of deferred repayment.

But in any case, individuals should be moderate in both financial management and consumption. Credit cards are used for convenience, and can also appropriately alleviate the temporary economic situation, but excessive consumption is to increase the burden. In addition to the above methods, if you want to pay off all the bills with a balance of 5%, you can also choose Xiaoaizhi Butler, and you can also repay the empty card with one click, rejecting the "minimum repayment amount" and "installment repayment", resulting in ultra-high interest. Let you easily control the credit card leverage cycle.