You can consider the following ways to apply for a deferral of repayment to solve the problem of credit card debt:

1. Contact the bank: Contact the card-issuing bank and explain your dilemma and ask if Repayments can be deferred. Some banks may offer this service.

2. Seek installment payment options: Ask your credit card issuing bank about installment payment options. This will allow you to break up what you owe into smaller payments and pay them off gradually over a period of time.

3. Lending platform: If you cannot reach an agreement with a bank, you can consider applying for a personal loan through a lending platform or financial institution, and then use the loan amount to pay off your credit card debt.

Summary: If you encounter a situation where you have no money to repay your credit card debt, you can try to contact the bank to seek deferment of repayment or installment arrangements. If these methods are not feasible, consider applying for a personal loan through a lending platform to pay off your credit card balance.

Extended information: Deferred repayment refers to negotiating with the credit card issuing bank to postpone the deadline for paying the minimum payment or the entire amount owed. This usually requires the bank's consent and may incur interest or fees.

Please note: The above suggestions are for reference only. Please consult with the relevant bank or financial institution to understand the specific policies and conditions before taking any action.