1. First of all, it is still possible to solve the problem by repaying the principal through negotiation when the credit card is overdue for four years.

2. Specifically, the following points are detailed explanations of this issue:

2.1 First of all, it should be noted that the credit card is overdue for four years, which means that the arrears have accumulated certain interest and late fees. Therefore, when negotiating to repay the principal, it is usually necessary to pay off the accumulated interest and late fees first, and then negotiate to repay the principal. The specific handling method may need to be determined through negotiations with banks or relevant institutions.

2.2 secondly, the result of repayment of principal through negotiation is usually influenced by many factors, such as personal repayment ability, credit history, bank policies and so on. Therefore, when negotiating, it is necessary to provide relevant certification materials, such as income certificates and assets certificates, so that banks can more comprehensively evaluate borrowers' repayment ability and make corresponding decisions.

2.3 in addition, it should be noted that repayment of the principal through negotiation does not necessarily mean that the arrears can be completely reduced, but certain preferential treatment or installment repayment arrangements may be made on the basis of the original loan amount. The specific plan needs to be negotiated according to the specific situation, and the bank will make a decision according to the borrower's repayment ability and credit record.

3. To sum up, it is still possible to negotiate with the bank to repay the principal if the credit card is overdue for four years. However, it should be noted that the specific treatment methods and results will be affected by many factors, including personal repayment ability, credit history and bank policies.

4.

Extended information: Overdue credit card debt means that the borrower fails to repay the credit card debt on time beyond the agreed time limit. Overdue credit card arrears usually lead to overdue penalty interest, late fees and other expenses, and seriously affect personal credit records. Therefore, when you find that you can't repay on time, you can contact the bank or relevant institutions as soon as possible to negotiate the repayment method, so as to avoid further aggravating the damage of debt and credit records.