If the cardholder can't make full repayment, he can call the customer service staff or apply for credit card (debit card) installment business through installment SMS or only pay the minimum repayment amount, so that personal credit information will not be affected because of overdue.
If it is necessary to negotiate with the bank to postpone repayment due to the huge amount, it is necessary to take the initiative to explain the current economic situation with the customer service staff, so as to postpone the repayment date or modify the minimum repayment amount within a range acceptable to both parties and reach a consensus. Negotiation repayment operation will generally be operated by increasing the number of repayment periods or reducing part of liquidated damages and interest. As for whether the bank will agree to negotiate repayment, it needs a comprehensive evaluation decision from the bank.