1. Contact the customer service of the bank: contact the customer service of the bank as soon as possible, explain the situation and request to extend the repayment period, so as to better plan the repayment plan.

2. Installment repayment: Due to the limited repayment ability, you can consider applying for credit card installment repayment, which can repay the arrears in installments and reduce the repayment pressure. However, it should be noted that installment repayment will generate additional handling fees.