1. Change the billing date of the credit card If the cardholder does not expect to get the credit card, he can call the credit card center of the issuing bank to apply for changing the billing date before the billing date (remember to apply before the billing date), so as to achieve the purpose of delaying repayment. Tip: Whether you can change the bill date and the number of times you change the bill date varies from bank to bank. Card friends should call the bank in advance. 2. Time-sensitive service If the cardholder can make up the money within one or two days after the due repayment date, he may wish to make full use of the time-sensitive service of the bank. Tip: Time-sensitive service requires the cardholder to apply actively. 3. Credit card help is still not available. In order to avoid overdue, please ask a friend to borrow some money, return the credit card, and then return it to a friend when the funds are plentiful. This method is not commonly used, but it can be used occasionally. 4. Minimum repayment amount/bill installment The minimum repayment amount and bill installment of the credit card can also avoid overdue, but the cardholder needs to pay the corresponding interest and handling fee to the bank. However, the minimum repayment amount of the credit card and the annual interest rate of the bill installment are as high as 18.25% and 14%, and the short-term emergency is ok. It is not recommended for cardholders to use it for a long time. 5. Rational credit card is not available? It is no problem for cardholders to appear once in a while. If you often face this dilemma, you must reflect on it, analyze it from the source, suit the remedy to the case, and use the card reasonably. Otherwise, after a long time, it will not only be labeled as a slave, but also cause overdue.