second, negotiate with the issuing bank of the credit card in arrears and apply for it. Due to the epidemic, many people's lives have been seriously affected. Considering this special situation, banks usually make some adjustments to relevant policies. Usually, as long as debtors can coordinate with the issuing bank, they may only need to repay the credit card principal.
article 671 of the civil code of the people's Republic of China
if the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
article 672 the lender may inspect and supervise the use of the loan as agreed. The borrower shall provide the lender with relevant financial and accounting statements or other materials on a regular basis in accordance with the agreement.
article 673 if the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.
article 674 the borrower shall pay the interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, it cannot be determined according to the provisions of Article 51 of this Law. If the loan period is less than one year, it shall be paid at the time of returning the loan. If the loan period is more than one year, it shall be paid at the end of each year. If the remaining period is less than one year, it shall be paid at the time of returning the loan.