1, take the initiative to call the credit card customer service center to negotiate repayment, tell the bank the real income situation realistically, and sincerely show that you are really unable to repay at present, so that the bank can seriously consider your ability to repay on time.

2. When going to the bank card business outlets to negotiate repayment, you need to bring as much evidence as possible that you are temporarily unable to repay, indicating your sincere willingness to repay.