Proactively call the bank’s credit card center to apply for negotiated repayment. According to the inquiry of credit card related information, we learned that due to the loss of the mobile phone abroad and the inability to repay the credit card for 5 months, which caused credit problems, you should take the initiative to call the bank's credit card center to apply for negotiated repayment. The key to overdue credit card negotiation is to submit relevant materials in accordance with the bank's requirements, wait for the bank's review and approval, and sign a repayment agreement.