I. Full repayment
Credit card arrears and overdue fines must be paid off as soon as possible.
Second, communication and consultation with banks.
If you can repay for free, you can explain your real situation to the bank supervisor and negotiate with the bank to solve it. Services such as minimum repayment amount and installment repayment can also be carried out to reduce the repayment pressure and let banks feel the sincerity of repayment.
Three. coordinator
If you can't repay the loan or reach a settlement with the bank, you will have to wait for a lawsuit. Except for malicious credit card overdraft fraud, overdue is generally a civil dispute.
Fourth, prove that there is no malicious overdraft.
As for the overdue credit card, you must first prove that you have no malicious overdraft. Unscrupulous overdraft refers to the consumption behavior that you think you can repay, and the repayment ability is less than the consumption ability.
Five, properly handle and digest the negative impact of the judgment.
It is really impossible to perform, actively respond and actively cooperate, which shows that he is a person who pays attention to integrity and dares to bear.