1. Borrow from relatives and friends for repayment: If you only encounter cash flow problems, you can temporarily pay off the arrears by borrowing;

2. Apply to the bank for deferred repayment;

3. Apply to the bank for suspension of payment;

4. negotiate with the bank to reduce the repayment amount. If negotiation fails, you can sue the bank and get judicial credit card debt relief.

Minimum repayment amount: At present, banks generally have a minimum repayment amount. As long as the minimum repayment amount is paid before the deadline of the final repayment date, it has no impact on individuals, but it will charge five ten thousandths of interest every day;

Repayment by installment: You can apply for repayment by installment before the deadline of the final repayment date, and the installment fee will increase with the increase of the number of installments;

Change the billing date: the repayment date is extended by changing the billing date, but the billing date cannot be changed at any time, and each bank has different restrictions on the number of times to change the billing date, some banks have twice a year, and some have 1 time a year;

Negotiate with the bank: explain the situation with the bank, negotiate with it, and prove that you didn't intentionally fail to pay it back, and there is no reasonable reason for the time being.