1. Apply for deferred repayment. If the staff involved in epidemic prevention and control, the hospitalized or isolated people with new pneumonia, or the people who temporarily lost their livelihood due to the epidemic can't repay in full and on time, they can contact the customer service of the issuing bank and ask if they can postpone the repayment. If so, the overdue credit card during the epidemic period is not considered as a breach of contract, nor is it included in the personal credit overdue record.
2. Borrow money to repay. You can borrow money from relatives, friends, colleagues, etc. When borrowing money, it is best to agree on the repayment period and give interest appropriately. However, due to the epidemic, it may be difficult to avoid overdue in this way.
3. Handle the bill installment. You can appropriately alleviate your repayment pressure, but you need to pay attention to the processing time. Most credit card application platforms have credit card installment processing time as the billing date of the credit card. Therefore, everyone should think ahead and choose the appropriate number of installments according to their repayment ability and installment interest rate.
4. Minimum repayment amount. Generally, as long as 10% of the bill amount of this period is paid in full, it will not be overdue. However, the remaining unpaid amount will no longer enjoy the interest-free period, and the interest will be paid in full from the date of consumption, with the daily interest rate of 0.5 ‰ and monthly compound interest. Cardholders who cannot pay in full in a short period of time can choose this method. However, this method is only aimed at the consumption amount. If it is cash, you can't use this repayment method.