1. If we are really unable to repay the credit card debt, we can proactively contact the bank, inquire about the amount of debt and interest, and explain the current situation to the bank, saying that it is not that we do not want to repay the debt, but that we are really powerless. , express your intention to repay to the bank to avoid being sued.

2. After actively communicating with the bank, apply to the bank for personalized installment payment, and make reasonable installments based on your economic status and income expectations.

When you are unable to repay your credit card debt, you must not wait for the bank to collect the debt, but take active measures and proactively communicate with the bank.

According to the provisions of Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": Under special circumstances, it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay. Yes, the card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years. Therefore, under normal circumstances, banks will handle it according to the actual situation.