1. First, I stated that I was unable to repay the credit card overdraft limit due to unemployment and no other financial resources after using the credit card consumption amount of the Bank in a certain year.

2. Secondly, I write that I am willing to repay all the principal by borrowing from my close friends, but I can't pay off all the debts due to my limited ability.

3. Finally, I urge the bank leaders to reduce or exempt some overdue interest and late fees in consideration of my actual situation.