1. Contact the bank or credit card institution as soon as possible to find out the specific situation of overdue and seek a solution.

2. According to the consultation with the bank or credit card institution, make the repayment plan, and repay the loan step by step in strict accordance with the plan.

3. If economic conditions permit, you can pay off all overdue funds at one time and try to avoid overdue again.

Details are as follows:

First of all, it is very important to contact the bank or credit card institution in time if it is overdue for 9 months. Through contact, you can know the specific overdue amount, interest and late payment fees and other related information, and at the same time you can get more repayment options. It is suggested to get in touch with the bank or credit card institution as soon as possible in order to solve the problem better.

Secondly, when communicating with banks or credit card institutions, you can try to make a repayment plan. According to your own financial situation, you can negotiate with banks or credit card institutions to make a reasonable repayment plan, which is helpful to gradually repay overdue funds. Please pay in strict accordance with the agreed repayment plan to avoid overdue again.

In addition, it is another good way to pay off all overdue funds as soon as possible. If personal economic conditions permit, you can consider paying off all overdue funds in one lump sum to avoid continuing to generate interest and late fees. Doing so can not only reduce the economic pressure, but also improve the personal credit record.

To sum up, when the credit card is overdue for 9 months, you should contact the bank or credit card institution as soon as possible to make a good communication solution. According to the personal financial situation, you can consider making a repayment plan or paying off all overdue funds at one time. No matter which way you take, you should always keep in touch with the bank or credit card institution, repay the loan in strict accordance with the agreement, and restore your personal credit record.

Extended data:

Overdue credit cards will have a negative impact on personal credit records, affecting the future personal credit evaluation and the possibility of applying for other financial services. Therefore, for the overdue problem of credit cards, we should actively communicate with banks or credit card institutions, formulate effective repayment plans, and solve the overdue problem as soon as possible. At the same time, we should also develop good consumption habits, use credit cards rationally, ensure timely repayment, and avoid overdue situations again.

Summary:

If the credit card is overdue for 9 months, you need to contact the bank or credit card institution in time to understand the overdue situation and make a reasonable repayment plan. You can choose to pay all overdue payments in installments or at one time. No matter what way you take, you should always keep in touch with banks or credit card institutions, fulfill your repayment obligations in strict accordance with the repayment agreement, and restore your personal credit record.