Take the initiative to call to negotiate. According to the inquiry of China Travel Service. Com, if the credit card is overdue, the customer should first adjust the available funds at hand and try to pay back the money. For the remaining part that is really unable to repay, the customer should take the initiative to call the bank to contact customer service for negotiation, and can try to apply for extending the repayment period, repaying the arrears in installments, and stopping paying interest.