Legal analysis: When the credit card cannot be used, you can negotiate with the bank and call the bank's customer hotline directly. However, in the negotiation process, the cardholder needs to explain his difficulties in detail, and the general bank will agree, but the cardholder needs to pay a certain handling fee. However, you can repay in advance after you have money. When the credit card fails to repay on time, you'd better use installment or minimum repayment amount. These two repayment methods can effectively reduce the monthly repayment amount and avoid overdue repayment. When repayment by installments is used, the more installments, the more expenses need to be paid. In the selection stage, it is best to choose according to your income. Legal basis: Article 6 of the Measures for the Administration of Bank Card Business Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must deposit a certain amount of reserve fund according to the requirements of the issuing bank. When the balance of the reserve account is insufficient to pay, the cardholder can overdraw within the credit limit stipulated by the issuing bank.