Called the consumer to ask if the card information is true. If the situation is true, LZ will explain the reasons for non-repayment in time and strive for understanding. If the funds are tight, you can pay the minimum repayment amount or apply for installment repayment. Credit consumption must be done according to one's ability. From LZ's explanation, it is not an acceptable reason that people spend more than their repayment ability because they don't repay in time in other places. There are many ways to repay, and I don't believe there is no way to repay. It is not necessarily that there is no timely repayment.