Among the ways of overdue repayment of credit cards, one is called agreed repayment. The issuing bank can make repayment according to your repayment ability and your agreed repayment schedule, and you can make repayment according to the repayment schedule agreed with the issuing bank. Judging from the amount you owe, it's not much. If there is no illegal act in the declaration process, the card is in normal use but there is a problem with the temporary repayment ability, you can agree with the bank on the repayment schedule and extend the repayment period appropriately. The bank mainly wants to recover the arrears. As long as you really have the willingness to repay, the bank will not transfer to judicial proceedings at will.