If your credit card is overdue, you can find a lawyer to negotiate with the bank, but whether the negotiation can be successful depends on the specific circumstances. If the bank has transferred the overdue amount to the collection department, the lawyer can negotiate with the bank on behalf of the client to negotiate repayment methods and deadlines. However, it should be noted that the lawyer does not necessarily represent the weak party. If the customer does have overdue repayment, the bank has the right to recover the arrears. If the negotiation is unsuccessful, the bank may take legal action.

The methods for handling overdue credit cards are:

1. Timely repayment: If you find that your credit card is overdue, you should repay it as soon as possible to avoid overdue interest and liquidated damages. If it is only short-term overdue, you can restore a good credit record through timely repayment;

2. Installment repayment: If the overdue amount is large, you can apply for installment repayment from the bank, and installment repayment can be Spread the overdue amount into several periods to reduce the pressure of repayment in each period;

3. Negotiate repayment: You can proactively contact the bank or law firm, negotiate with the other party to formulate a repayment plan, and gradually repay the debt. . According to the results of the negotiation, you can repay in installments, extend the repayment period, etc. to reduce the monthly repayment pressure;

4. Apply for repayment exemption: If the amount of debt owed is large, you can apply to the bank Repayment reduction and exemption. According to the provisions of laws and regulations, banks can reduce or reduce arrears according to specific circumstances. However, applying for repayment exemption requires providing relevant supporting materials, and the application process is relatively cumbersome;

5. Bankruptcy application: If the amount of debt owed is large, you can consider filing for bankruptcy and solve the problem by paying off the debt. . However, filing for bankruptcy will have a certain impact on your personal credit record and requires careful consideration.

To sum up, the method of handling overdue credit cards should be chosen according to the specific situation to avoid improper handling methods that will further worsen the problem. At the same time, you should abide by laws and regulations, perform repayment obligations in a timely manner, and maintain your personal credit record in good condition.

Legal basis:

Article 70 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Under special circumstances, it is confirmed that the amount owed by a credit card exceeds the amount of the credit card holder. If the cardholder's ability to repay the card is insufficient and the cardholder is still willing to repay, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum period of a personalized installment agreement shall not exceed 5 years.

The contents of the personalized installment repayment agreement should at least include:

(1) Arrears balance, structure, currency;

(2) Repayment Period, method, currency, date and repayment amount of each period;

(3) Whether annual fees, interest and other fees will be charged during the repayment period;

(4) Holding The cardholder shall not apply for a credit card commitment from any bank before all amounts related to the personalized installment repayment agreement have been settled;

(5) Rights, obligations and liability for breach of contract of both parties;

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service agency shall stop collecting payments from the cardholder, unless the cardholder fails to fulfill the installment repayment agreement. If an oral repayment agreement is reached, the card-issuing bank must retain the recording materials. The recording data will be retained at least until the date of settlement of the debt.