1. Extend the repayment period: through negotiation with the credit card issuer, the repayment period can be extended to reduce the repayment pressure. This will give you some extra time to raise funds in order to pay off overdue payments. You can contact the bank to explain your difficulties and ask them to extend the repayment period.

2. Installment payment: If you can't pay off all overdue funds at one time, you can also negotiate with the credit card issuer to pay the overdue funds by installments. Through negotiation, you can agree with the issuer to divide the overdue payment into several smaller payment amounts, and pay a certain amount every month to gradually repay the overdue payment.

3. Interest relief: During the negotiation, you can also discuss with the credit card issuer about the relief of some or all overdue interest. Sometimes, the issuer can agree to reduce the extra interest payable by you to reduce your financial burden. But this usually requires that you have a good repayment record and can provide reasonable explanations and reasons.

generally speaking, overdue credit cards can be resolved through negotiation with the credit card issuer. You can communicate with the bank, put forward your difficulties and ask for help, and negotiate possible repayment methods, such as extending the repayment period, installment payment and interest reduction. These methods can help you reduce the pressure of repayment and gradually repay overdue payments.

Extended information:

When solving the problem of overdue credit cards through negotiation, you should also pay attention to the following points:

1. Contact the bank in time: once you find that you can't repay the loan on time, you should contact the bank as soon as possible and explain your predicament. Communicating with the bank in advance can better show your sincerity and cooperative attitude and increase the chances of successful negotiation.

2. keep a good repayment record: during negotiation, a good repayment record is very important for obtaining the support and help of the bank. If your previous repayment record is good, the bank may be more willing to cooperate with you and provide some special offers.

3. provide reasonable explanations and reasons: in the negotiation process, providing reasonable explanations and reasons can increase your persuasiveness. For example, if the overdue period is caused by an emergency or an emergency, the bank can provide corresponding supporting materials to increase the possibility of successful negotiation.

It should be noted that each bank may have different policies and practices, so it is best to know the specific regulations of the credit card issuer you hold before negotiation, and communicate and negotiate accordingly.

Please be aware that the above is the answer to how to settle the overdue credit card through negotiation and how to carry out the second installment. I hope it can help you.