1. It's best to continue using this card: after the deadline, the best way is to continue using this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.

2. Don't run away: if it is overdue for a long time, the credit card will charge interest, and there will be a high late fee. If you run away, the bank will think you overdraw maliciously and call the police.

3. Inability to repay the loan requires timely explanation: If you cannot repay the loan on time due to unemployment, illness and other reasons, you can state your financial situation before the repayment deadline and declare that you are not malicious, and you can apply for deferred repayment and interest concessions.

4. It is best to repay in full, and explain: If you forget to repay due to carelessness, you must repay in full as soon as possible after you find that it is overdue, preferably in full, because after the full repayment, call the bank to explain that it is not malicious arrears and ask for the elimination of overdue records. The best chance is.