1. When your credit card is overdue, you can consider repaying it in installments. When repaying, you can choose the number of installments that suits you according to your actual affordability; if you don’t have the money to repay in installments, you can consider it at this time. Minimum repayment. Generally speaking, this minimum repayment is 10% of the bill amount. The repayment amount is very low. However, there is no interest-free period when using the minimum repayment amount, and the bank will charge interest.

2. If you cannot repay the minimum repayment normally, it is best to contact the bank proactively, explain the reasons why you cannot repay, and apply to the bank for an extension. Under normal circumstances, the bank will agree to the extension. One to two months, then paying it back in time will have no personal impact.