1, understand the composition of the bill. Some collections will directly tell the total amount owed and let the cardholder pay it back. We have to find out how much principal, interest and liquidated damages we owe. After all, this involves the question of whether to pay the principal or interest first. For example, if the repayment is overdue within 90 days, the interest will be paid first, and if it is overdue by 9 1 day, the principal will be paid first.

2. Whether the interest and expenses are reduced or exempted. If the overdue time is long and the cost is high, some banks can reduce some fees.

3. Whether the repayment can be negotiated. This must be asked. If we can negotiate, we can pay the arrears as soon as possible. After all, after the negotiation of repayment, the interest will stop and will not be collected again, and the repayment pressure will be reduced a lot.