If you can't pay off your credit card, you can take the following methods:

1. Borrow money from relatives and friends to repay: If you just encounter a problem of capital turnover, you can temporarily pay off the debt through borrowing;

2. Apply to the bank for deferred repayment;

3. Apply to the bank for suspension of interest rates;

4. Negotiate with the bank to reduce or reduce the repayment amount and negotiate If this fails, you can sue the bank and obtain judicial relief of credit card debt. Card debt.

What to do if your credit card is stolen?

What to do if your credit card is stolen? First of all, you must notify the card-issuing bank as soon as possible to report the loss of the credit card. You can immediately notify the bank of the possibility of credit card theft by calling the bank, and cooperate with bank staff to report the loss and freeze the credit card; or call the police. After notifying the bank, you should also call the police immediately and report the details of the theft to the police. , according to the requirements of the public security organ, go to the bank to print out the credit card transaction details, and then go to the public security organ to handle the reporting procedures; at the same time, you should consult the bank customer service for the location of the nearest ATM machine, and go there immediately to perform credit card operations through the ATM machine.

Legal basis: Article 7 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Credit cards refer to records of cardholder account information, have bank credit lines and overdraft functions, and are Various media that provide cardholders with related banking services. It refers to an electronic payment card issued by a commercial bank or other financial institution that has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. The standard English name of a credit card is Credit Card.