Apply to the bank for deferred repayment or installment repayment.

According to Baidu Lutu, we learned that if you are unable to repay the credit card debt of 300,000 yuan, you can apply to the bank for deferred repayment or installment repayment. If you really cannot repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason, prove that it is not malicious and there is indeed a reason, and discuss whether the repayment can be postponed. If the overdraft is done maliciously, it will be suspected of credit card fraud and the bank will sue the bank for corresponding legal liability. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card for more than three months after being called upon twice by the card-issuing bank.