1. Borrow and repay from relatives and friends: If you just encounter capital turnover problems, you can temporarily pay off the debt by borrowing money;

2. Apply to the bank for deferred repayment. ;

3. Apply to the bank for suspension of interest rates;

4. Negotiate with the bank to reduce the repayment amount. If negotiation fails, you can sue the bank to obtain judicial credit card debt reduction.

Minimum repayment amount: Now banks generally have a minimum repayment amount. As long as the minimum repayment amount is paid before the last repayment period, it will not affect the individual, but an interest of 5,000 per day will be charged; < /p>

Instalment repayment: You can apply for installment repayment before the last repayment date. The installment fee will increase with the number of installments;

Change the billing date: by changing You can extend the repayment date by using the billing date, but the billing date cannot be changed at any time, and each bank has different limits on the number of billing date changes. Some banks can change the billing date twice a year, and some once a year;

Change the billing date: Extend the repayment date by changing the billing date, but you cannot change the billing date at any time, and each bank has different limits for changing the billing date. Some banks change it twice a year, and some change it once a year;

< p> Negotiate with the bank: Explain the situation, negotiate with the bank, and prove that you are not intentionally late and have reasonable reasons for being temporarily unable to repay.

In addition, you will also face the following problems:

①Continuous reminders from the bank: When the borrower repays overdue, the bank customer service center will make several calls first. If the payment is still not made, the bank will entrust a third party to collect the money, usually through continuous phone calls, text messages, or even door-to-door collection; after multiple requests for repayment, the bank will sue the court.

② Being sued by the bank and unable to apply for a loan: The cardholder will be included in the credit blacklist and unable to apply for a loan, and the court will pursue the payment. After receiving a court summons, the court will investigate and urge repayment, but if the cardholder refuses to repay, the court can take enforcement action; the court will liquidate the cardholder's assets to repay the credit card debt and freeze related assets.

③Malicious default, facing jail and fines: A credit card overdue for three months can be regarded as a malicious overdraft fine, but if you communicate with the bank in advance and prove your repayment ability and repayment plan, you will generally not face criminal charges. responsibility. However, the court ruled that if the card holder still fails to return the card, he will be dealt with according to the Criminal Law. In serious cases, he may face 3 years in prison and a fine. In particularly serious cases, he may face 3 to 7 years in prison and a fine.

How much debt does a credit card generally have before it is approved?

Credit cards are generally not approved depending on the amount of debt they have. It mainly depends on the approval policy of the card issuer and the individual's credit status. Generally speaking, if your credit card debt exceeds your income or your credit history is poor, you may be rejected by the bank.

Specifically, if the credit card debt exceeds 50% of monthly income, the bank may consider the debt to be too high to pay and reject the application. In addition, if there is a history of late repayments in the past or other unpaid debts, the bank may consider the risk too great and reject the application.