When facing an overdue credit card, you can solve the problem by negotiating with the bank to suspend interest payments. Banks usually agree to such negotiations under certain conditions.

First of all, you can express your wishes to the bank and hope that the interest rate installment can be suspended. During the negotiation, you should clearly state your dilemma and reasons, and explain your ability to repay the loan. Increase your chances of effective communication with your bank by clearly communicating your wishes and circumstances.

Secondly, you can make reasonable suggestions for suspension of installments. Based on your repayment ability, propose a practical repayment plan and explain to the bank why such an installment plan can help you better repay the overdue credit card balance. You can ask the bank to suspend or reduce overdue penalty interest, and adjust the repayment period or amount to better suit your financial situation.

Finally, actively communicate and negotiate with the bank. In the dialogue with the bank, remain polite, patient and rational, and actively seek a win-win solution for both parties. Understand the bank's interests and considerations while adhering to your own rights and repayment ability. Through the joint efforts of both parties, a mutually beneficial result can often be achieved.

To sum up, when facing an overdue credit card, negotiating with the bank to suspend interest payments is an effective way to solve the problem. By clearly conveying your wishes, making reasonable suggestions and actively communicating, you can often reach a contract agreement with the bank, optimize the repayment plan, and help you better deal with overdue problems.

Extended information: When facing an overdue credit card, it is very important to communicate and negotiate with the bank in a timely manner. In addition to interest-free installments, you can also try other solutions, such as extending the repayment period, adjusting the interest rate, or applying for penalty interest exemption. In addition, in order to avoid overdue problems again, you can also formulate reasonable consumption and repayment plans and establish good personal financial management habits. In any case, maintaining open cooperation and timely communication with the bank will help find the best solution.