Know what not to say. The collection will be recorded, the purpose of which should be known to all, is to urge cardholders to pay off their credit card debts quickly. Some collection routines are deep, although they will not be directly collected by violence, but they will innuendo and use some stimulating words to anger cardholders and put pressure on them to repay.

Some people will say, if you don't repay, tell your parents to let them know that your child has the ability to spend, can't repay, has no face and so on. Some cardholders will think that they owe their credit cards and should not mention their parents. They will quarrel with the collection on the phone and say that they just won't return it. If you say so, it will be considered that you have no willingness to repay and owe money maliciously.

Master formal coping methods. No matter how angry the collection words are, cardholders should be calm and show their willingness to repay. Although it is temporarily impossible to repay the loan in one lump sum, it will be repaid every month, and then tell them the difficulty of collection and provide the repayment plan as evidence.