1. Confirm that the credit card debt exceeds the cardholder's repayment ability: that is to say, if you intend to pay back the money at first, but later you can't pay it for various reasons, as long as you prove to the bank that you are maliciously overdue and currently unable to repay, then the bank will consider exempting you from part of the interest as appropriate.

2. Cardholders should have the willingness to repay: Whether they have the willingness to repay is an important means to distinguish malicious overdue from non-malicious overdue. The minimum monthly repayment set by the bank is 65438+ 00% of the arrears. As long as you pay it back, it is not overdue. If you can't even afford this, you can call for further communication and reduce the repayment ratio.

3. Negotiate on an equal footing and reach a personalized installment repayment agreement: personalized installment repayment agreement, that is to say, what agreement you can sign depends entirely on your repayment ability and negotiation skills, and the negotiated interest can also be waived. However, this agreement cannot last more than five years. If you really owe too much, there is nothing you can do.