1. Actively contact the bank to negotiate repayment:

If the credit card debt is not repaid, the bank will not actively negotiate with the user and will only remind the user of repayment through text messages or phone calls. . Therefore, users should actively negotiate.

2. Be sincere:

When negotiating repayment, be sincere and explain your current economic situation to the bank, indicating that you are currently unable to repay the loan in full on time, but If you have income from work, you will work hard to raise money to repay the loan and see if you can negotiate a repayment plan that is acceptable to both parties.

3. Keep relevant evidence at all times:

Whether you are negotiating with the bank for repayment or being violently collected, you must keep relevant evidence and then provide feedback to the bank, so that the success rate of negotiation will increase. Higher, but the premise is that users must always maintain a civilized and friendly attitude.