Debt must be paid back, otherwise the credit will not pass! Contact the bank as soon as possible and tell the truth, hoping to reach a preferential repayment agreement. Anyway, try to show your sincerity in front of the other party, saying that it was entirely caused by your carelessness, but at present, the financial resources are limited, and it is appropriate to point out that the other party did not fulfill the responsibility of urging. Let the bank reduce some debts as appropriate. The bank should accept your request. I have colleagues around me, and I also got a credit card when I was at school. I forgot to return it. Finally, part of the cost is reduced by the above method.