I'm glad to answer your questions:

First, the credit card is overdue, so you must never ignore it. You must stop using the loan to support the loan and avoid the more you owe. If you are completely overdue, you have to make a plan, which to return first and which to return later, so as to minimize your risk.

second, actively cooperate with the bank. It is normal that the credit card is called by the bank after it is overdue. But you don't have to worry too much. After all, banks are formal financial institutions. Even if banks entrust the pursuit work to third parties, they dare not act too aggressively. At present, the collection of many banks is relatively standardized, after all, there is strict supervision.

iii. actively negotiate repayment with the bank. according to article 7 of the measures for the supervision and administration of credit card business of commercial banks, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

fourth, how to negotiate after the credit card is overdue? We should take the initiative to contact the credit card issuing bank to show that we are not maliciously overdue and explain to the bank the reasons for the abnormal return of funds. Then take the initiative to propose "negotiated repayment" with the bank, whether you personally negotiate or find someone to negotiate installment repayment, the bank mainly determines the number of repayment periods, interest penalty and so on according to your actual situation.

I hope every debtor can plan his debts in time and reasonably, and get out of the debt quagmire as soon as possible.