1. Negotiate with the lending institution: directly communicate with the lending institution, explain the inability to repay, ask for installment payment or interest reduction, and seek solutions.

2. Litigation and arbitration: If no agreement can be reached with the lending institution, you can consider solving the dispute through legal channels. However, it should be noted that litigation and arbitration may require time and money costs.

3. Entrust a third party: Entrust a professional debt collection company to deal with overdue issues, and they will help negotiate with lending institutions and provide reasonable solutions.

Summary:

After credit card loans overdue, first of all, we should communicate with the lending institution and try our best to solve it through negotiation. If no agreement can be reached, you can choose legal channels or entrust a third party to handle it. Each solution has its own advantages and disadvantages, and the specific choice depends on the individual situation. It is recommended to act as soon as possible to avoid further risks.

Extended information related to the problem:

-The Central Bank of China issued the Measures for the Administration of Basic Database of Personal Credit Information, aiming at strengthening the management of personal credit information and improving the efficiency of credit loan approval and collection.

-According to the laws of our country, if there is a civil dispute over overdue loans, the parties can solve it through consultation and litigation according to law.

-For debt collection companies, it is recommended to choose legally registered and qualified institutions, and pay attention to verifying their charging standards and terms of service.