If the credit card is overdue and unable to repay, the user should apply to the bank for negotiated repayment. During the negotiation, you must have a good attitude and show that you are not overdue maliciously. The bank will decide whether to agree to the user's negotiated repayment based on the actual situation. After the negotiation is successful, repayment will be carried out according to the negotiated agreement. If the negotiation fails, then the user can only find a way to raise money to pay off the overdue credit card balance.

After a credit card expires, overdue records will be uploaded to the credit report. The sooner the user pays off the overdue balance, the sooner the personal credit report will be restored.

If the cardholder is unable to repay the credit card debt, it will be dealt with in different situations:

1. Repay according to the minimum repayment amount

If the cardholder is unable to repay it all at once To clear the balance, the cardholder can first repay the minimum repayment amount of the bill, and then pay off the balance when he is able to repay.

2. Bill installments

If you are temporarily unable to repay, you can install the bill in installments, but a certain amount of interest must be paid. The bill can generally be divided into 6 months, 1 year, etc. Within the period, cardholders can make installments based on their own repayment ability.

3. Negotiate with the bank

If you are unable to repay the loan, you can negotiate with the bank to extend the debt.

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