Legal analysis: 1. Use the delayed service provided by the bank;

2. Find friends or family to provide capital turnover;

3. It is not recommended to use cards with caution.

4. effectively change the billing date;

5. installment or minimum repayment. According to Article 678 of the Civil Code, the borrower may apply to the lender for extension before the repayment period expires.

legal basis: article 678 of the civil code of the people's Republic of China, the borrower may apply to the lender for extension before the repayment period expires. If the lender agrees, it can be extended.