First, you really don't have the financial ability to try to owe money. Of course, this requires evidence, and you need to provide proof of difficulties, such as your balance sheet, running a bank, and having no work certificate. Most importantly, there is no real estate in your name.

Second, non-malicious cashing needs to prove that it is really through normal consumption, not an improper way to use the money in the credit card. Once labeled as "malicious", it will be very passive and the nature of the arrears will change, so everyone still needs to pay attention to the usual credit card habits.

Third, cardholders should be friendly. If you want to stop paying, you must actively negotiate with the bank. There are also a few people who have extreme attitudes and take it for granted that they owe money. This attitude will be rejected by 100%.

Fourth, the monthly repayment during the overdue period shows that the cardholder has a willingness to repay, not a malicious breach of contract. Just because the current economic situation has caused the overdue situation, the repayment must be paid back, even if it is small, and it should not be ignored.

It doesn't mean that meeting the above conditions will definitely succeed, but it will only improve the success rate of negotiation, and finally it depends on the attitude of the bank.

Overdue credit cards should:

First, actively cooperate with banks and never be judged as malicious overdraft. It is normal for the bank to collect after the credit card is overdue. Just like you owe a friend, it's the same for a friend to urge you, but you don't have to worry too much. After all, banks are formal financial institutions. Even if the bank entrusts the collection work to a third party, there will be no excessive behavior, which may be more frequent. At present, the collection of many banks is relatively standardized. After all, there is strict supervision. You can take it without affecting your work and life. If it affects work and life, you can choose not to take the exam.

Second, you can pay back a little more or less every month. In order to prevent the bank from judging that you are maliciously overdrawn, that is to say, even if you have money, you don't want to pay back the money. You can pay back some money more or less every month, even 50- 100 yuan (such repayment behavior is forbidden for a long time), which can show your willingness to repay, rather than deliberately overdue.

Third, try to pay it off in one lump sum. In your case, you can't pay back the money. You must put down your face and let your family and friends help you find ways to collect the money. According to most banks, if you pay off in one lump sum, there is a preferential policy of relief, that is, the bank may give you relief for overdue interest and liquidated damages, and you can slowly return it to your relatives and friends. This is the fastest way to go ashore to solve daily troubles.

Four. Negotiate personalized repayment according to relevant regulations. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years. Through negotiation, the monthly repayment is between 1 1,000-2,500 yuan, so as to reduce the repayment pressure and avoid the trouble of collection and prosecution.