It is currently 90 days overdue and cannot get a loan.

First of all, repay the loan in full; including the interest due and expected penalty interest. Of course, you can also negotiate with the bank for installment repayment, but your credit record will still be abnormal during this process, so It is recommended to repay in full unless you are really financially strapped and unable to repay. Remember, as long as you don’t run away, don’t lose contact, and are willing to negotiate with the bank, you are still the bank’s customer and not its enemy.

Secondly, you must continue to use this card after repayment. For banks that have restricted the use of the card, negotiate with the bank and express your strong intention to correct your mistakes and continue to use this card. Even if the limit is reduced, even if the limit is reduced to 10 yuan, you still need to continue using the credit card. This is very important for updating your credit record. As long as you use the card normally for 24 months, you must repay it on time during this period and keep it in good condition. records, in this way, the original overdue records will be offset by the continuously updated subsequent card use records.