When you are unable to repay your credit card, you can negotiate with the bank as follows:

First of all, clearly express your difficulties and wishes. After contacting the bank, you can explain why you are currently unable to repay your credit card balance and express your desire to negotiate with the bank.

Secondly, propose a reasonable repayment plan. You can come up with a repayment plan that is affordable based on your financial situation. For example, you can request to lower the monthly repayment amount, extend the repayment period, or propose a one-time repayment of part of the outstanding debt, etc.

In addition, seek support and help from the bank. You can ask the bank whether it has relevant policies such as deferment of repayment, probation period or interest adjustment to reduce your financial pressure. At the same time, you can also ask the bank whether there are special repayment arrangements suitable for your situation, such as points deduction, card balance deduction, deposit and other measures.

To sum up, when negotiating with the bank about being unable to repay a credit card, clearly express your dilemma and wishes, propose a reasonable repayment plan, and seek support and help from the bank to find a solution suitable for both parties. Banks usually understand the borrower's difficulties and are willing to negotiate with them to reach a consensus to alleviate their financial pressure.

Extended information:

According to relevant Chinese laws and regulations, banks generally have certain flexibility in handling overdue credit card repayments. Borrowers can negotiate with banks to find appropriate repayment arrangements. Negotiations on credit card debt are generally conducted in the risk control department of the bank, and the specific process may vary from bank to bank. Therefore, when negotiating with a bank, it is recommended to contact the bank and understand its specific negotiation process and requirements. Providing relevant supporting materials, such as proof of income, household debt, etc., will help strengthen your persuasiveness and make the bank more inclined to support and provide appropriate repayment arrangements.

It should be noted that you should be honest during negotiations, clearly explain your actual situation, and avoid providing inaccurate information or making promises that cannot be fulfilled. At the same time, understand and abide by the bank's negotiation results, repay according to the agreement, actively maintain communication with the bank during the negotiation period, and comply with relevant agreements and regulations.