1. Contact the borrower or bank as soon as possible: immediately communicate with the borrower or credit card issuer to inform the overdue situation and seek solutions. Communication in advance may help to reduce interest and fines.

2. Understand the overdue fees and consequences: Understand the overdue fees, penalty interest and possible legal consequences in detail. This will enable you to make an informed decision and provide a basis for negotiation.

3. Make a repayment plan: Make a reasonable repayment plan according to your own economic situation. Try to return the overdue amount on time to reduce further overdue fees and restore a good credit record.

4. With the help of professional institutions: If you deal with difficulties yourself, you can seek professional advice or help from debt management institutions. They can provide appropriate advice and negotiate with borrowers.

5. Improve financial management ability: examine personal financial situation, improve financial management ability, make budget plans, and avoid falling into overdue predicament again.

Summary: After the online loan credit card is overdue, contact the borrower or the issuing bank in time to make a reasonable repayment plan. If necessary, you can seek the help of professional institutions. At the same time, improve personal financial management ability and avoid overdue again.

Extended data:

Overdue repayment may lead to damage to credit history and affect future loan and credit card applications. According to the relevant laws of China, borrowers have the right to take legal measures to recover overdue debts, such as suing the court and freezing bank accounts. Therefore, actively handling overdue cases is the key to protect their own rights and interests.