It can be solved in the following ways: 1. Apply for minimum repayment amount: If the credit card bill amount is too large, the cardholder can apply for minimum repayment amount. Generally, the total amount of the bill must be repaid first. 10% is enough, and the remaining part can be repaid in the next bill. 2. Apply for bill installment repayment: When there is pressure to repay, cardholders can directly apply for bill installment. Most bank credit card holders can repay in 3, 6, 9, 12, 18 or 24 installments. Cardholders can choose the number of installments based on their repayment ability, which can alleviate the repayment pressure and will not affect credit. 3. Find a repayment agency to repay: There are many credit card repayment companies online. You can apply for a credit line from these repayment companies, then use the credit limit to repay the credit card bill, and then repay the loan from the repayment company in installments. 4. Negotiate repayment with the bank: If the cardholder is unable to repay on time due to special reasons, he or she can proactively call the credit card customer service number and apply for a deferment of repayment, indicating that he is not malicious in refusing to repay the debt. In this way, after the bank approves, the repayment can be delayed for a period of time. Time to repay. Article 1089 of the Civil Code stipulates that upon divorce, the husband and wife's joint debts shall be repaid jointly. If the property of the same party is insufficient to repay the debt or the property belongs to each other, the two parties shall agree to repay the debt; if the agreement fails, the People's Court shall make a judgment.