1. Express your willingness to repay to the bank: Never ignore the overdue credit card. First of all, you should get in touch with the bank to show your current economic situation and express your willingness to repay. I hope that the bank will coordinate and customize a reasonable repayment plan, and then work hard to make money and pay off the arrears slowly.
2. Keep the phone open: the bank staff will continue to contact you after the deadline, but don't deliberately avoid these calls. After connecting the phone, you should make clear your willingness to repay and the current economic pressure in time and beg for a period of time.
3. Stop payment by credit card: If the cardholder fails to repay the amount required by the bank after using the credit card for a period of time, he can apply to the bank for an extension, or stop payment by credit card, sign a personalized installment agreement, repay the cardholder according to the agreed amount every month, resume normal life, stop collecting penalty interest and stop collection.