1. Use the delay service provided by the bank. If it is only occasionally overdue, the funds will only be repaid in one or two days. At this time, we should make full use of the bank's deferred repayment service. Every bank has a one-to-three-day deferred repayment service, which is very important for us! 2. Find friends or family to provide capital turnover. Find a friend or family member to turn around, borrow some money to pay back in full first, and then pay back the friend's money and human feelings when you have ample capital turnover. Of course, this method can only be used occasionally. 3. Effectively change the billing date. If it is predicted in advance that a credit card may not be able to repay the money by then, you can apply to the bank to change the bill date before the bill comes out, so as to extend the repayment period. For example, if the bill date is on the 1th, and I find that I may not be able to repay the money for some reason before the 5th, I can call the credit card immediately and apply to change the bill date to 2/3/4, so that no bill will be issued this month. After the application for changing the bill is successful, 2/3/4 of next month. Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank. 4. installment or minimum repayment. If you really don't pay the credit card, or if you really don't pay the credit card in a short time, you can consider credit card installment or repayment of the minimum repayment amount. These two methods need to pay a certain amount of interest to the bank, so they are not encouraged, but they can avoid the credit stain caused by overdue payment. Legal objectivity:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 6 A card-issuing bank shall provide information inquiry service, and publicize credit card products and services, instructions for use, articles of association, contract (agreement), charging items and standards, risk warning and other information to cardholders through bank websites, card manuals, electronic banking and other channels. Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 61 The issuing bank shall provide reconciliation services. The statement of account shall at least include the transaction date, transaction amount, transaction currency, name or code of the transaction merchant, repayment amount in the current period, minimum repayment amount in the current period, due repayment date, matters needing attention, service telephone number of the issuing bank and other elements. The specific form of reconciliation service shall be agreed by the issuing bank and the cardholder. When the issuing bank provides the cardholder with statements and other service vouchers, it shall partially block the credit card number and shall not display the complete card number information. Except for the business vouchers printed by the bank counter for business.