Legal analysis: If you are unable to repay, it is recommended that the cardholder contact the bank as soon as possible to explain his situation clearly, indicating that he is really unable to bear the repayment responsibility at present and does not intend to be overdue; At the same time, expressed willingness to actively repay; Then apply for suspension of repayment, extension of repayment period or installment repayment.

Legal basis: Article 579 of the Civil Law of People's Republic of China (PRC), if one party fails to pay the price, remuneration, rent and interest, or fails to perform other monetary debts, the other party may request it to pay.