You can repay the principal of the credit card by negotiating repayment with the credit card institution. There are some successful cases that prove that it is feasible to negotiate overdue principal repayment.

First of all, to negotiate principal repayment with a credit card, you need to proactively contact the credit card institution, propose a repayment request, and explain your difficulties. The prerequisite for negotiating repayment is that the customer has established active communication with the credit card institution and maintained a good relationship with them. You can contact your credit card institution by phone, online chat, or email.

Secondly, when negotiating repayment, customers can request principal repayment and discuss with the credit card institution ways to repay in installments, reduce or reduce part of the debt, or adjust interest rates. The credit card institution will decide whether to agree to the repayment negotiation based on the customer's repayment ability and credit history, and the negotiation results will be implemented according to the agreement reached by both parties.

Finally, customers need to remain patient and cooperative when negotiating repayment. Some negotiations may take time for approval and confirmation. Customers should provide the required information in a timely manner and perform the repayment obligations stipulated in the agreement on time. Only by maintaining active cooperation with your credit card institution can you increase the likelihood of successfully negotiating a principal repayment.

To sum up, with active communication and negotiation with credit card institutions, there are successful cases of negotiating overdue principal repayments on credit cards. By establishing a good relationship with a credit card institution, customers can secure installments, debt relief, or interest rate adjustments to repay their principal. However, the specific outcome of each case will vary based on individual circumstances and credit history.

Extended information: During the credit card repayment negotiation process, credit card institutions may require customers to provide relevant supporting materials, such as income certificates, financial status certificates or other supporting materials, to evaluate the customer's repayment ability and creditworthiness. situation. Additionally, successfully negotiating principal repayment may also be affected by the credit card institution's internal policies and procedures. Therefore, it is very important to fully communicate and prepare with the credit card institution.

Note: This answer is for reference only. Specific operations should be carried out according to personal circumstances and the requirements of the credit card institution. If you have more questions, it is recommended to consult the relevant departments of the credit card institution or professional organizations for advice.