According to the situation described, you can follow the following steps to handle this problem:

First, contact the bank. You can contact the bank customer service or relevant departments again to explain the situation and inquire about solutions.

Secondly, verify the details of the outstanding amount. When communicating with the bank, ask them to provide specific details of the debt, including principal, interest, late payment fees and other items, so as to understand the specific composition of the debt.

Finally, try to negotiate a repayment method. Once you understand the structure of your debt, you can discuss it with your bank and try to reach an agreement on a more reasonable way to repay it. You can make a request to repay only the principal, explain your past mistakes and difficulties, and hope to gain the bank's understanding and support.

Summary: When dealing with this issue, it is important to establish effective communication with the bank and strive for understanding and support. By verifying the details of the arrears, we can provide a reasonable basis for repayment and negotiate an agreed repayment plan.

Extended information: Credit card debt disputes between banks and customers belong to the category of civil disputes and usually need to be resolved through negotiation or litigation. In the game process, reasonable and effective communication is the key to obtaining solutions. If you have difficulty communicating with your bank, you can also seek help from legal advice or a debt management agency.

Please note that the above are only general suggestions. The specific handling method still needs to be negotiated with the bank based on the actual situation, and ultimately reached by both parties. It is best to consult professionals or relevant agencies for more accurate advice.