Hello, for the problem of not knowing what to do until your credit card is overdue for one and a half years, the solutions given are as follows:

First of all, when faced with the situation of a credit card that is overdue for one and a half years, there are A few points to note:

1. Contact the bank immediately: Contact the card-holding bank as soon as possible to inform the overdue situation and express the willingness to pay off the debt. Maintain communication with the bank to discuss repayment options.

2. Analyze personal financial situation: Conduct a comprehensive analysis of personal financial situation, including income, expenses, etc., and determine a reasonable repayment plan.

3. Repayment negotiation: Negotiate repayment with the bank, strive to extend the repayment period, and adjust the repayment amount to reduce the financial burden.

4. Pay off your debt: Pay off your debt as quickly as possible. You can use your savings or borrow money to pay off your balance to reduce interest and late fees.

To sum up, solving the problem of a credit card that is overdue for one and a half years requires immediate action. First, communicate with the bank where the card is held, express your willingness to pay off the debt, and negotiate a repayment plan with the bank. At the same time, you should also conduct financial analysis to find a reasonable repayment plan and take action to pay off the debt as soon as possible.

Extended information:

Overdue credit cards will have a serious impact on personal credit records, which may lead to poor personal credit reports, which in turn affects personal borrowing ability and credit evaluation. Therefore, when encountering an overdue situation, it is very important to take timely measures and actively communicate with the bank to solve the problem.

In addition, in order to avoid similar situations from happening again, it is recommended to abide by some principles of credit card use, such as reasonable consumption planning, timely repayment, prudent use, etc., to maintain personal credit records and financial status.

The above is the answer to the question of what to do if your credit card is overdue for one and a half years. Hope this helps. If you have any further questions, please feel free to ask.