1. Negotiate with the bank. According to our country's laws, if the bank has not repaid the debt for three months after two calls, it can be classified as a malicious overdraft. Therefore, even if you have no money, don't not answer the phone call from the bank. The best policy is to discuss a solution with the bank.

2. Repay the minimum payment amount. If you cannot repay in full this period, you can also choose to repay the minimum repayment amount, which is usually 5%-10% of the overdraft limit. For example, if your bill amount is 10,000 yuan, the minimum repayment amount is calculated as 10%, which is 10,000 * 10% = 1,000 yuan. In other words, you only need to repay 1,000 yuan in this period, and you will be able to live in peace, and your personal credit will not be affected. However, interest will accrue, but it is more cost-effective than having your credit affected.

3. Apply for bill installment. In addition to the minimum repayment method, the most commonly used method is bill installment, which can be repaid in up to 24 installments, which is two years. However, similar to the above method, there will be a handling fee, but it will not affect your personal credit report. It is also an emergency solution. It should be noted that early repayment after installment is not recommended because the handling fee will still be charged.

4. Modify the billing date. This method is not applicable to all banks. Modifying the bill date before issuing the bill is equivalent to extending the interest-free period in disguise. The advantage of this method is that it will not incur unnecessary fees, but its scope of application is limited. It is recommended to consult the bank in advance.