The method is as follows:

1. Apply to the bank for an extension: You can directly contact the credit card issuing bank to request an extension of repayment. The bank will consider whether to approve the application based on your actual situation, unemployment, illness and other special circumstances.

2. Modify the bill date: If the credit card bill date is earlier, you can call customer service on the eve of the repayment date and request to modify the bill date. In this way, the repayment date can be postponed by one month.

3. Installment repayment: If the credit card bill is large and cannot be paid off all at once, you can choose to repay it in installments. Most bank credit cards provide installment services, and you can choose to divide the repayment into 12 installments, that is, 12 months to repay.