Write down your real name first, then write down the overdue card type and bank, then write down the overdue situation, when, how long, how much and so on. Write this information clearly, and then explain in detail the reasons for the overdue. For example, if there is an accident, it needs to be explained. After writing down the reasons clearly, express your willingness to repay, and then make a repayment request through consultation, and apply for delaying repayment or stopping interest payment.

Legal basis:

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 repayment ability of the cardholder and the cardholder is still willing to repay, the issuing bank may 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.