Make a repayment plan and contact Home Credit customer service.

1. Develop a reasonable repayment plan based on your personal financial situation. Because the overdue period is long, you need to negotiate with Home Credit to work out an installment repayment plan to reduce financial pressure. You need to know the details of the loan, including loan amount, interest rate, overdue interest rate, overdue time, etc.

2. Contact Home Credit customer service and express your willingness to repay. Customer service will ask for detailed personal financial status in order to evaluate repayment ability and formulate a suitable repayment plan. Once a repayment plan is made, the repayer needs to strictly abide by it and repay it on time. This will help restore personal credit and is a sign of integrity to Home Credit.