Everbright credit card has not been reduced, let's see if we can apply for installment or minimum repayment. If one-time repayment is necessary, you can try to negotiate repayment with the bank. Especially due to force majeure, such as unemployment, illness, etc. , you can provide relevant certificates, and sign a personalized installment agreement with the consent of the bank to extend the repayment period.

If the bank does not agree to negotiate, it is best to borrow money from relatives and friends to repay. Don't be overdue unless you have to, especially if you don't lose contact. If you have no money to repay, you must also answer the bank phone and declare that you are not maliciously overdue, indicating your willingness to repay.