Legal analysis: after the credit card is overdue, the overdue amount is large and the overdue time is more than 3 months. You can try to negotiate repayment. If you want the bank to reduce all interest and only return the principal, you must have a good attitude in the negotiation, and you need to explain why you can't return the interest. Of course, whether the interest can be reduced depends on the bank's decision. If negotiation fails, repayment can only be made according to the previous overdue amount.

If the overdue amount is small and the overdue time is short, there is no need to negotiate with the bank. Generally speaking, banks will directly refuse.

Legal basis: Article 590 of the Civil Law of People's Republic of China (PRC), if the contract cannot be performed due to force majeure, the liability shall be exempted in part or in whole according to the influence of force majeure, except as otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be informed in time to reduce the possible losses to the other party and provide proof within a reasonable time. If force majeure occurs after the delay in performance, the parties concerned shall not be exempted from the liability for breach of contract.