After the credit card is overdue, if the cardholder wants to stop the payment, he can directly call the service hotline of the issuing bank to apply to the customer service staff. However, the bank will not directly agree, and the cardholder needs to negotiate. In the process of negotiation, it is necessary to explain clearly to the bank that he is temporarily unable to repay the loan, indicating that he did not intentionally overdue the payment. It is best to provide some information to prove it, and then express his willingness to repay the loan actively, so that the bank will consider it as appropriate. In addition to applying for suspension of payment, the cardholder can actually try to apply for extending the repayment period and repaying the arrears in installments. If the bank finally agrees, the interest will not be tried again after the arrears. As for the interest and the principal of the arrears, the cardholder only needs to repay them on time and in installments according to the repayment plan newly negotiated with the bank. It is suggested that cardholders should develop the good habit of paying back on time. If they find that they can't pay back on time, they can apply for bill installment or minimum repayment in advance before the repayment date to avoid overdue.