Detailed description:

1. Professional consulting companies usually have rich experience and professional knowledge to deal with the problem of overdue credit cards. They understand the relevant laws and regulations of banks and can provide you with reasonable suggestions and solutions.

2. Negotiating with consulting companies can help you understand your rights and obligations, as well as possible consequences and solutions. They can negotiate with the bank on your behalf and strive for more favorable repayment terms, such as delaying repayment, lowering interest rates or debt restructuring.

It is also an option to negotiate directly with the bank, but the consulting company can provide professional guidance and suggestions in this process to ensure that your rights and interests are protected. They understand the operation mode and negotiation skills of banks, which can help you communicate and negotiate with banks more effectively.

In short, consulting companies and banks are more reliable choices about the problem of overdue credit cards. Consulting companies can provide you with professional help and guidance to help you solve overdue problems as soon as possible and reduce the burden.

Extended data:

Overdue credit cards will have a serious impact on personal credit history and financial situation. Timely consultation with consulting companies or banks to solve overdue problems can avoid further legal disputes and financial losses. I suggest that you should pay attention to the reputation and reputation of the consulting company when choosing a consulting company, so as to ensure that you choose a reliable partner. At the same time, it is also important to know the relevant laws, regulations and banking policies, so as to protect your rights and interests in the negotiation process. Remember, when dealing with overdue issues, we should maintain a positive communication attitude and strive to find a mutually acceptable solution.