The only way to apply for overdue deactivation of credit cards is to apply to the bank. After the deadline, you can contact the official customer service phone of the bank credit card center, and then transfer to manual service according to the voice prompt, and apply to the customer service for overdue suspension of the credit card.

For eligible cardholders, after the customer service completes the personal identity verification, it will apply for the user to stop paying interest, and then the cardholder only needs to wait for the system to pass the examination.

According to Article 70 of the Measures for the Supervision and Administration of Credit Cards of Commercial Banks issued by China Banking Regulatory Commission, under special circumstances, if it is confirmed that the credit card arrears exceed the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement, the longest of which is no more than 5 years, that is, 60 installments.