What should I do if my credit card has been reduced and I can’t afford it? Having a credit card reduced is very unpleasant in itself, and the bank also requires a one-time repayment. This undoubtedly rubs salt into the wound and invisibly increases the repayment pressure on many cardholders. After all, if you pay it off in one lump sum, you can't apply for credit card installments, and you can't repay the minimum payment amount. You'll have to wait until it's overdue. Of course, if you really can’t afford to pay it off in one go and don’t want to overdue your credit score, you can try the following methods: 1. Borrow money from relatives and friends to repay. This method seems simple, but it is still quite difficult to actually do it. , is also a time to test the so-called family affection and friendship. Of course, don’t complain if you can’t borrow money. Everyone has the freedom to borrow money. However, if you want to borrow money smoothly, it is best to give someone a little sweetener. Make an appointment with others about the borrowing time, the repayment amount, and in addition to the principal, add some interest, which will make it easier to gain trust. 2. Negotiate repayment with the bank. If the credit card cannot be paid, you can see if you can negotiate with the bank for repayment. However, in most cases, banks will not agree to negotiate, unless the cardholder is truly unable to repay due to unemployment, illness, or other accidents. He can call the bank to explain his financial situation before the final repayment date. , the bank will handle it as appropriate. 3. Apply for a credit card loan. It is difficult to repay a credit card in one go. You can borrow money to repay through other channels, such as applying for a credit card loan to obtain funds, and then repay the credit card. This method is more cost-effective than withdrawing cash with a credit card, and it can also be repaid in installments to relieve the pressure of indirect repayment.