The following options can be considered to deal with the situation of overdue credit cards with large amounts that cannot be repaid, one of which is installment repayment:

1. Installment repayment: contact the bank or credit card issuer Negotiate and, if the debt cannot be repaid in one lump sum, divide the debt into several installments for repayment. This can alleviate current economic pressures.

Detailed instructions:

a. Contact the credit card issuer: Contact the credit card issuer and indicate that you cannot repay the balance in one go. Ask if amortization plans are available and learn about the terms and fees.

b. Negotiate a repayment plan: Negotiate with the credit card issuer to develop a reasonable installment repayment plan. According to personal financial status and ability, the repayment amount and repayment period of each installment are agreed upon.

c. Fulfill the repayment plan: Fulfill the repayment obligations according to the negotiated installment repayment plan. Make sure to pay each repayment on time to avoid overdue payments again.

Summary:

When faced with a large credit card that is overdue and unable to repay, installment repayment is a common solution. By negotiating with the credit card issuer and formulating a reasonable installment repayment plan, you can effectively reduce the current financial burden and gradually repay the debt.

Extended information:

You need to pay attention to the following things when using installment repayment:

- Understand the handling fees and interest of installment repayment. Different banks and credit card issuers may have different policies and rates.

- Consider your financial situation and repayment ability. Make sure that the amortization plan you develop is consistent with your personal financial situation to avoid falling into the dilemma of being unable to repay again.

- Comply with repayment obligations. Pay each repayment on time to avoid further overdue interest and credit record damage.