1, deferred repayment. At present, a number of banks and financial institutions have issued announcements. If you are a medical worker, a patient, an isolated person, etc. Related to the epidemic situation, you can apply for an extension if you meet the conditions. You can contact the customer service of the lending institution and provide proof to delay repayment for a period of time. Moreover, overdue payment has no effect on credit investigation.

2. Negotiate repayment. If you are really unable to repay, you should actively negotiate with the bank to see if you can apply for an extension and strive for more time to make money for repayment. Some banks can make new repayment plans for you under special circumstances, or add some late fees to delay repayment. If it is a credit card, you can pay the minimum repayment amount first, so that this operation will not cause bad credit.

3. Don't avoid collecting. General banks and financial institutions will not take extreme measures to collect money. And people should not change their mobile phone numbers, and someone should answer the collection phone. They can make an appointment to negotiate repayment and installment repayment, which may lead to more serious consequences.

4. Make money to repay. At present, those who have jobs should work harder to make money, and those who have no jobs should find jobs quickly. Only by earning income can they pay off their debts. When necessary, they can ask their relatives and friends for help, write out IOUs and calculate interest.