First of all, after the credit card is overdue for four or five years, the following measures should be taken to solve the problem:

1. Contact the bank as soon as possible to understand the specific situation of the debt and seek repayment Arrangements;

2. If you cannot repay the entire debt at once, you can make a request for installment payment to the bank;

3. You can try to negotiate with the bank to reduce the interest or waive part of the debt. ;

4. Be diligent in repaying the minimum repayment amount to avoid the accumulation of further late payment fees and penalty interest.

Details:

First of all, it is crucial to contact the bank in a timely manner. By communicating with the bank, you can learn about the specific amount owed, interest, and repayment period, so as to formulate a reasonable repayment plan. Secondly, if you have difficulty repaying the loan in one go, you can apply to the bank for installment payment. In this case, depending on your personal financial situation and bank policy, you can reach an affordable monthly repayment amount and spread the debt over multiple months for repayment. In addition, you can also try to negotiate with the bank to reduce the interest or waive part of the outstanding balance. Some banks may consider reducing overdue interest or offering preferential packages to help customers repay. Finally, be sure to make the minimum payment possible to avoid the accumulation of further late fees and penalty interest. Even if you can't repay the full amount you owe, making regular minimum payments can help maintain a good credit history.

Summary:

After your credit card is overdue for four or five years, you should proactively contact the bank and propose appropriate repayment arrangements based on your own situation. Installment payments, lower interest rates, partial reduction of arrears, and repayment of minimum payments are effective ways to solve the problem. By working with your bank, you can gradually pay off your debt and repair your credit history.

Extended information:

When dealing with overdue credit card issues, it is recommended to follow the following principles:

1. Communicate in a timely manner: Keep in touch with the bank and explain your dilemma. and seek solutions.

2. Reasonable planning: Develop a feasible repayment plan and determine the appropriate repayment amount and period based on your personal financial situation.

3. Borrow prudently: Before the overdue problem is resolved, use other borrowing tools prudently to avoid further accumulation of debt.

4. Establish a budget: Plan your expenses reasonably to ensure that you can repay your loan on time each month to avoid overdue payments again.

5. Improve credit: In addition to repayment, personal credit can be improved in other ways, such as paying regular bills such as water, electricity, and telephone bills in a timely manner.