1. What should I do if the credit card can't pay the minimum repayment?

1. Use the delayed repayment service provided by the bank.

If the payment is delayed only occasionally and the funds can only be repaid in one or two days, we should make full use of the delayed repayment service of the bank, and each bank has a delayed repayment service of one to three days.

2. Find a friend or family member to provide capital turnover

Find a friend or family member to make a turnover. First, borrow some money to pay back in full, and then pay back the money and favor of friends when you have ample capital turnover. Of course, this method can only be used occasionally.

3. Effectively change the billing date

If it is predicted in advance that a credit card may not be able to pay back the money by then, you can apply to the bank to change the billing date before the bill comes out, so as to achieve the purpose of extending the repayment period. For example, if the billing date is on the 1th, and you find that you may not be able to pay back for some reason before the 5th, you can call the credit card immediately and apply to change the billing date to the 2nd, so that no bill will be issued this month.

after the successful application for bill change, the bill will not be issued until the 2nd of next month, thus delaying our repayment for one month. Of course, changing the billing date does not mean that it can be changed. Each bank has different regulations, and the specific rules can only be confirmed by consulting the bank.

4. installment or minimum repayment

If you really don't pay the credit card, or if you really don't pay the credit card in a short time, you can consider installment or minimum repayment of the credit card. These two methods need to pay a certain amount of interest to the bank, so they are not encouraged, but they can avoid the credit stain caused by overdue payment.

2. What should I do if my credit card is not sued?

1. Take the initiative to negotiate with the bank.

The first thing to do is to contact the bank, of course. You know, although the bank can sue, it can also withdraw the lawsuit. Therefore, you can take the initiative to explain the situation to the bank and prove that your situation is really difficult. As long as you negotiate with the bank, the bank will generally not be too difficult.

2. Repayment to the credit card

Since you were sued for owing money to the credit card, you naturally need to repay the credit card if you want to solve the problem.

Of course, it doesn't have to be paid off in a short time to repay the credit card. You can negotiate a repayment period with the bank and then pay back a little every month, which shows that it is very important to actively repay.

If you can't pay the minimum credit card amount, you can borrow money from your friends for turnover. If the cardholder is sued for not paying back the credit card, he can take the initiative to negotiate with the issuing bank, explain his actual situation, and ask for deferred repayment or installment repayment. You can also borrow money from relatives and friends, and pay back the credit card arrears this month first, so that the bank can withdraw the lawsuit.