If the online credit card loan is overdue and you are temporarily unable to pay it, you can take the following measures:

1. Contact the bank or lending institution as soon as possible: communicating with the borrower is the first step in solving the problem step. Describe your dilemma and make a request for deferred payment, installment payments, or other solutions.

2. Review contract terms and policies: Read relevant contract terms and policies carefully to understand the consequences and possible solutions for late payment. This will help you better understand your rights and responsibilities.

3. Develop a repayment plan: Develop a reasonable repayment plan based on your own situation. Consider your income and expenses to ensure you can pay your bills on time and minimize interest and late fees.

4. Seek professional help: When necessary, you can consult a professional credit counselor, lawyer or credit counseling agency to learn more about possible solutions and legal basis.

Summary: When an online credit card loan is overdue, it is key to proactively contact the borrower and formulate a reasonable repayment plan. At the same time, understanding the relevant contract terms and policies and seeking professional help can also help solve the problem.

Extended information: When dealing with overdue repayment issues, it is crucial to follow relevant credit regulations and policies. China's "Contract Law", "General Principles of Civil Law" and other legal documents may involve relevant content. At the same time, credit institutions will also have corresponding internal systems and procedures to deal with overdue repayments.