Legal analysis: first, write down the real name of the individual, then write down the overdue card type and bank, and then write down the overdue situation, when, how long, how much and so on. Write this information clearly, and then elaborate on the reasons for overdue, such as if there is a sudden accident, it is necessary to explain. After writing down the reasons clearly, express your willingness to repay actively, and then make a request for repayment through negotiation, and apply for delaying repayment or stopping interest payments.

legal basis: article 7 of the measures for the supervision and administration of credit card business of commercial banks. under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.