1. Never not answer the phone

Many people will choose not to answer the phone call from the bank if their credit card is overdue. This method is a particularly wrong choice. Once our credit card is overdue, we must actively negotiate with the bank to let the bank know your willingness and sincerity to repay, so that you will not be in an absolutely passive state in the subsequent negotiations with the bank.

2. Take the initiative to negotiate with the bank

After our credit card expires, we can take the initiative to negotiate with the bank and negotiate personalized installments or suspended interest payments. According to our country's "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, if the amount of the debtor exceeds its repayment ability, but the debtor is willing to repay, the bank can negotiate with the debtor and sign a Personalized installment repayment agreement, which is also the suspension of interest on credit cards. If the application is successful, it will greatly reduce your short-term repayment pressure and allow you to go ashore faster.

3. Make a detailed repayment plan

Don’t be afraid when your credit card is overdue. Don’t run away from financial problems to solve them better. After you know that you are temporarily unable to repay the debt overdue, you should take the initiative to increase revenue and reduce expenditure. On the one hand, you should slowly reduce your own expenses, reduce gatherings with colleagues, and do less online shopping.