1. Independent handling: credit card problems overdue for more than one year need to be handled actively, rather than ignored or evaded. It is essential to find ways to solve the problem.
2. negotiation with banks: active communication with banks is the key. You can communicate with the customer service staff of the bank and explain your predicament and repayment willingness in detail. Seeking the understanding and support of the bank may lead to some repayment concessions or installment repayment arrangements.
3. Make repayment plan: After reaching an agreement with the bank, it is necessary to make a reasonable repayment plan. According to the personal economic situation, determine the monthly repayment amount, and then negotiate with the bank to reach an agreement. Strictly abide by the repayment plan and gradually pay off the arrears.
conclusion: the problem of credit cards overdue for more than one year needs to be dealt with actively, and it is the best way to negotiate with the bank and make a repayment plan. Through cooperation with banks, we can get preferential repayment and installment repayment opportunities, gradually solve the overdue problem and restore a good credit record.
Extended information: Overdue credit card repayment will have a serious impact on personal credit records, which will not only lead to the decline of personal credit rating, but also may be subject to legal recourse and property loss. Therefore, it is very important to deal with the overdue problem in time. If the individual's financial situation can't be repaid in full, you can consider applying to the credit card bank for installment repayment or loan to reduce the burden.
please note that the above answers are for reference only. The specific handling method should be determined according to the individual situation and bank policy. For credit cards overdue for more than one year, it is recommended to contact the bank in time and seek professional advice.