If you cannot pay back your credit card debt, you can first negotiate with the bank for repayment. If the negotiation goes well, the loan will be repaid according to the negotiation content. If the negotiation is unsuccessful, the loan must be repaid in one lump sum between the credit card repayment date and the buffer period. At this time, the user can borrow money from relatives and friends around him and settle the credit card debt first to prevent overdue credit card repayments from affecting personal credit. .

If the credit card balance is not enough, you can handle it in the following ways:

Repay the minimum balance

Credit cards are often called credit cards, allowing everyone to use their credit to make advanced purchases. , that requires everyone to have a good reputation. Therefore, if you consume, you must repay the loan as soon as possible according to the deferred payment. If you really have no money to repay the loan this month due to various reasons, then I suggest you:

(1) First, find a friend or relative to fund The turnover may be due to the fact that the salary income has not been received, or the payment for a certain project has not arrived. In fact, the difference is only a few days or more. In this case, it is best to find a friend to transfer the funds. It neither incurs excessive expenses nor affects personal credit;

(2) Secondly, this method is definitely a phenomenon that you can’t think of a way out of. You will only have to pay the minimum repayment amount of the credit card, which is generally In other words, it is 10% of your consumption limit (the current period’s income and expenditure details). For example, if you spend 5,000, you only need to pay back at least 500. Of course, if you have a valid credit card to withdraw cash, you need to add 10% of the cash withdrawal. If there is installment repayment, you must add 100% of the installment principal, plus 100% of fees and interest.