You can try to negotiate repayment in installments with the bank to see if the bank agrees. A long overdue period will affect personal credit, and the bank will truthfully feedback the cardholder's card use according to the requirements of the People's Bank of China. If it is seriously overdue, the bank will reserve the right to pursue it according to legal procedures, and at the same time, it will be notified by SMS. Don't lose big because of small.