If you owe 300 thousand on your credit card, it will be serious after all. As a cardholder, you can also apply to the bank for "stopping payment" of this debt, and you can negotiate with the bank to sign a personalized repayment agreement acceptable to both parties. At present, the maximum repayment period is five years. During this period, the bank will not charge you any interest or reduce most of the interest.

1. installment repayment: Credit cards can support up to 24 installments of bills, and users can reasonably solve the current financial pressure after the installment of bills. Although they will charge a certain installment fee, sharing it equally every month will also ease the economic pressure for users to take out a large amount of funds at one time.

2. Minimum repayment amount: The minimum repayment amount of a credit card is generally 65438+ 00% of the bill. As long as the user pays the minimum repayment amount before the repayment date, it is considered as normal repayment, so the user can make the minimum repayment amount when the repayment date comes, so as not to cause his credit card to be overdue.

3. Give it to your family: If you really can't get the credit card, you can give it to your family first. After all, the consequences of overdue credit cards are very serious. Users first need to ensure that their credit cards will not expire.