Let’s reduce it by half.

The credit card has just expired and cannot be repaid for the time being! First, call the credit card center and take the initiative to explain the situation. It is not a malicious default, but a temporary difficulty. Please negotiate with the bank for personalized installments! Generally, the credit card center will arrange for professionals to contact you! Informed negotiation of repayment plan!

Don’t lose contact if you don’t return it after the due date! If you lose the money and don't pay it back, after so long, the bank will not be able to find you, it will find your village committee, and there is a risk of suing you for malicious default! This money is priceless! What follows is a series of outsourced collections; if overdue collections are not processed, you will face a series of collections later and cannot work and live normally. At this time, you should take the initiative to contact the bank's credit card center! Explain the situation, ask for interest suspension, liquidated damages reduction, installment repayment, and provide proof of poverty! Ask the bank to stop the pursuit! If the bank disagrees, you can file a complaint!

If the bank still disagrees, then ignore it for now, work hard to make money, repay a little every month, keep a repayment record, and when you are able, negotiate for a one-time deal or three installments, because of time After a long time, the bank will also collect the arrears in time, and will definitely agree to it!