1. Contact the bank immediately: Step 1, contact the credit card issuing bank, explain the situation and ask for help. They may offer some flexible repayment plans or other solutions to lighten your burden.
2. Make a repayment plan: Work with banks to make a feasible repayment plan. Depending on your financial situation, the bank may agree to extend the repayment period, lower the interest rate or adjust the minimum monthly repayment amount to help you gradually repay the arrears.
3. Avoid further overdue: Make sure to pay all future bills on time, and if you can't repay them on time, notify the bank before the overdue. Avoiding further overdue can prevent more serious damage to credit records.
Summary: It is very important to contact the bank in time and make a repayment plan after the credit card is overdue 180 days. Working with the bank and following the repayment plan can help you gradually restore your credit history.
Extended data:
Continued overdue repayment of credit cards may lead to the following consequences: damage to credit records, accumulation of overdue fees and high interest, possible debt collection, blacklisting of credit, and influence on future loan or credit card applications. Therefore, it is very important to take timely action to solve the overdue problem.
Supplementary information (suppose): suppose you contacted the bank and they didn't provide extension of repayment period or other assistance measures. In this case, you can consider seeking the help of credit consulting agencies, who may give you advice on debt restructuring or repayment negotiation.