Never fail to pay back, at least to the minimum repayment amount. Failure to pay the minimum repayment amount for three consecutive months will be included in the credit blacklist. Being blacklisted has a great influence on credit-based things in the future, such as loans. It is basically impossible for a person not to borrow money all his life.

If you don't return it more than six times, you may be sued. Your monthly repayment is usually just a phone call, and you won't sue. If you retract your confession, you will be prosecuted.

But if you don't pay the minimum repayment, you will have to charge a monthly fee, which is so high that it is completely usury. Just pay attention to the accounts.

Suggestion: since your monthly income is small, firstly, divide the part other than the minimum repayment amount into stages, which can be divided into 12 stages; Borrow money from your friends to pay the minimum repayment, or ask your parents for it, and you must bear the consequences yourself (I suggest you take two jobs).

In addition, if it has been blacklisted, do not cancel the credit card, continue to maintain a good use record for two years, and automatically eliminate bad records.