The specific methods are as follows:

1. Time tolerance to help

After the overdue period occurs, you must contact the card application institution as soon as possible and ask if the credit card you applied for has a time tolerance mechanism. If so, congratulations! Hurry up and make up the bank card arrears. If you can't pay all the arrears, it is not a bad idea to repay according to the minimum repayment amount.

2. Pay off the arrears in time

Even if there is no such situation, you must pay off the arrears in time and explain to the bank staff that you are not maliciously overdue. If your previous personal credit information is good, and there is nothing after that, don't be careless, pay attention to the bank's billing information and collection information.

It should be noted here that your credit record is not forever. When you settle a loan, the credit stain will be automatically eliminated after five years from the settlement date.