When you cannot pay off your credit card debt, you can handle it in the following ways:

1. Apply for minimum repayment amount:

Every bank has It provides a minimum repayment service for credit card users. If you can't pay off your credit card debt for a while, you can apply for this service. Generally, you only need to repay 10% of the credit card bill amount, and the remaining balance can wait until the next repayment date.

2. Apply for bill installment repayment:

If it is found that the credit card debt is not paid, the cardholder can apply for bill installment repayment before the repayment date. Choosing an appropriate number of installments based on your repayment capacity can alleviate short-term repayment pressure.

3. Negotiate repayment with the bank:

Cardholders can proactively call the customer service number of the bank’s credit card center, explain the specific situation to the bank staff, and explain that they have fund turnover problems. Apply for an extension of repayment period. Then make a new repayment plan and repay the money on time according to the new plan.