After the credit card is overdue, you can solve the problem by negotiating to only repay the principal or suspend the interest payment. The following are specific instructions:

The first point is to negotiate to only repay the principal. If the credit card holder is unable to repay the entire amount on the credit card bill on time, he or she can negotiate with the bank and request that only the principal be repaid without interest and late fees. During the negotiation process, holders should provide detailed financial status and reasons to demonstrate their temporary inability to repay the full amount. If the bank agrees, the holder only needs to repay the negotiated amount.

The second point is to suspend pending accounts. The holder can also request the bank to temporarily stop interest calculation and put the remaining balance on the account, and suspend repayment for a certain period of time. This can give the holder a certain buffer time and reduce financial pressure so that the debt can be repaid as soon as possible. During the suspension period, interest will no longer accrue, and arrangements will be made based on the negotiated specific circumstances, such as the length of time and repayment method, etc.

To sum up, after the credit card is overdue, you can try to negotiate with the bank and solve the problem by only paying back the principal or suspending interest and hanging the account. This can reduce the financial burden of holders to a certain extent and provide them with more flexible repayment methods. However, it is important to note that the feasibility and specific details of these solutions will depend on the bank’s policies and the holder’s personal circumstances.

Supplementary information:

- If the holder chooses to repay only the principal without paying interest and late fees, although it can alleviate short-term pressure, the bank may take some measures based on the specific situation , such as limiting credit limits, affecting credit ratings, etc.

- When choosing the interest-free hanging method, the holder needs to clarify the hanging period and repayment arrangements with the bank to avoid prolonging the resolution time of the problem and increasing future liabilities.

- The above measures only apply to overdue credit cards. If it is an overdue loan or debt of other types, the solution may be different.

The above are answers to the question of negotiating to only repay the principal or suspend interest payments after the credit card is overdue. Specific solutions will vary according to bank policies and personal circumstances. It is recommended that holders contact the bank in time and inquire in detail about relevant policies and conditions.