After the credit card is overdue, you can negotiate repayment through the following methods:

1. Contact the bank promptly: When you find that you cannot repay on time, you should contact the bank as soon as possible. and explain the situation. You can communicate with the bank through telephone, online customer service and other channels.

2. Understand the repayment plan: When negotiating with the bank, ask if there are options for installment repayment or deferred repayment, and understand the specific repayment plan arrangements.

3. Provide a reasonable explanation: Provide the bank with detailed and true personal financial status, explain the reasons for the overdue payment, and indicate your willingness to repay.

Summary: When negotiating repayment, contact the bank promptly to understand the repayment plan and provide a reasonable explanation. Honest communication and demonstrating a willingness to repay is key to resolving overdue credit card issues.

Extended information:

- Overdue credit cards will have a negative impact on personal credit records, which may lead to a decline in credit ratings and even affect future borrowing ability.

- Banks are usually willing to negotiate repayments with customers to help them solve repayment difficulties. Negotiations may include flexible repayment arrangements such as installment repayment and deferred repayment.

- The result of overdue repayment negotiation depends on personal credit record, overdue amount, negotiation attitude and other factors. It is necessary to communicate and adjust with the bank according to the specific situation.