1. Take the initiative to contact CCB: take the initiative to contact the staff of CCB, show them your willingness to repay, and explain the purpose of your repayment negotiation with the bank.

2. Explain your actual situation: explain to the bank your actual overdue situation and your current economic situation.

3. Provide repayment plan: After expressing your strong willingness to repay, you can provide a copy of your repayment plan to the bank according to your actual situation; If the bank has a better suggestion, let's discuss and communicate together.

It should be noted that the premise of negotiation is that you really have no repayment ability. If the bank finds that you have the repayment ability, then the bank will not agree to the repayment plan you negotiated.