In case of credit card arrears, you can refer to the following methods: \xd\ Use the minimum repayment function \xd\ Every bank will have a minimum repayment function. As long as this minimum repayment amount is paid, the bank will not charge a late fee, nor will it affect personal credit. Generally speaking, the minimum repayment amount is 1% of the total bill amount. For example, if you spend 1, yuan on your bill this month, the minimum repayment is only required. \xd\ However, the minimum is to charge interest, which is five ten thousandths of a day. Therefore, it is only necessary to pay the minimum. Although the pressure will be reduced, there will be compound interest, which will be relatively troublesome and can only be used for temporary delay. \xd\\xd\ Use the installment function \xd\ If repayment pressure exists, you can directly apply for bill installment. Generally, banks provide the * * * function of 3, 6, 9, 12, 18 and 24 installments, and you can choose the number of installments according to your repayment ability, which will ease the repayment pressure and will not affect credit; The disadvantage of \xd\ is that there will be a handling fee, which varies from bank to bank, generally between .6% and .8%. \xd\\xd\ Change the billing date to extend the repayment period \xd\ This is also what others call the 1-day interest-free period * * *. Let me give you a direct example: \xd\ Mr. Li spent 1, yuan on his credit card because of demand, but he found that he could not repay it at once, and he didn't want to repay it at the minimum or in installments, so he could extend the billing time first by changing the billing date to extend the repayment time. Assuming that his 1W will be billed on May 29th, then Mr. Li can call the bank on May 28th to apply for changing the billing date, which can be changed to 25th to 27th, so that the bill will not be billed in May, and the 1W will be billed on June 25th to 27th, plus the interest-free repayment period is about 2 days, and the payment can only be repaid on July 18th. If you can't return it by then, you can use the two methods mentioned above. \xd\ Note: The billing time cannot be changed at will. Generally speaking, it can only be changed once every six months. Some banks change it once a year, while others can only change it once. \xd\\xd\ Repay by handling the card or withdrawing the amount \xd\ If you can handle the card again or withdraw the amount, you can also exchange the card for the card, but this method must be used well, otherwise the result will be the same, so the solution should be realized by understanding and being familiar with several functions of the credit card and then cooperating with these basic functions. \xd\ Take the initiative to negotiate with the bank to explain the situation \xd\ If it is really because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious not to pay back, and there is indeed a reason, discuss whether you can delay the repayment, and never ignore the bank by changing the phone, so that your personal credit will be lost unless you don't deal with the bank in the future.