1. Apply to the issuing bank in advance. You can apply through the issuing bank's mobile banking, telephone customer service, business outlets and other channels.

2. Repay according to the requirements of the issuing bank. Repayment offset order: pay the paid bills first, and then pay the unpaid bills; Repay the interest expense first, and then repay the principal expense. Credit cards have other debts besides cash installment. When the repayment offsets the cash installment, the funds are insufficient or there is no surplus.