Go to your local neighborhood committee or community and issue a poverty certificate explaining your situation. The proof of difficulty requires the official seal of the people's government of the township (town) where the family is located, or the official seal of a higher-level competent department. Among them, the valid official seals include: township (town) people's government, county civil affairs bureau, and civil affairs bureau. Urban residents can be the official seal of neighborhood committees, street offices, or communities.

Legal basis: According to Article 6 of the "Interpretations of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases Obstructing the Management of Credit Cards", the cardholder exceeds the prescribed limit for the purpose of illegal possession. Or if the card is overdrafted within a specified period and is still not returned for more than 3 months after being called upon twice by the card-issuing bank, it shall be deemed a "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Malicious overdraft, if the amount is more than 10,000 yuan but less than 100,000 yuan, shall be deemed as a "relatively large amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 100,000 yuan but less than 1 million yuan, it shall be deemed as a "large amount" under the Criminal Law. "Huge amount" as stipulated in Article 196; if the amount is more than 1 million yuan, it shall be deemed as "especially huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or the amount that has not been returned under the conditions specified in the first paragraph. Excludes compound interest, late fees, handling fees, etc. charged by the issuing bank.