1. Call the bank to check the total amount of current debt, and ask about the corresponding interest and liquidated damages. The overdue amount and interest must also be included.

2. Pay attention to the phone calls returned by the bank. When communicating with bank staff, explain your special situation in detail, negotiate with the card issuer on an equal footing, and reach a personalized installment agreement.

3. When an agreement is reached, the bank will confirm the amount owed and the number of repayment periods with you over the phone. You must record yourself, and you can use the recording as evidence if necessary.

4. Determine the detailed repayment plan and start formal repayment.