This method includes immediate repayment, contacting the credit card issuer, and developing a repayment plan.

1. Immediate repayment: If you find it is overdue, you should pay off the debt as soon as possible. The shorter the overdue time, the smaller the impact on your credit record. If your financial situation is tight, you can negotiate with your credit card issuer to repay in installments or extend your repayment period.

2. Contact the credit card issuer: Explain the reason for the overdue payment to the credit card issuer. Some banks may provide a grace period or cancel overdue fees. At the same time, make sure your mobile phone contact information is correct so that the bank can contact you in time.

3. Develop a repayment plan: In order to avoid overdue payments in the future, it is recommended to develop a financial budget and repayment plan to ensure that credit card bills can be paid off on time. In addition, you can set a reminder function to remind yourself to repay before the repayment date.