Detailed description:

1. First of all, the overdue credit card refers to the situation that the cardholder fails to repay the credit card arrears on time. When overdue occurs, the cardholder can seek legal advice to solve the overdue problem.

2. To get legal advice, first you need to contact the bank or credit card issuer and express your willingness to negotiate with them to solve the overdue problem.

3. In the process of negotiation, the cardholder can put forward reasonable requirements such as adjusting the repayment plan, extending the repayment period and reducing the late payment fee, hoping to get the understanding and support of the bank.

4. The bank will evaluate the cardholder's specific situation, decide whether to agree to the negotiation according to the internal policy, and provide corresponding solutions.

5. If both parties can reach an agreement, the cardholder shall repay the loan in strict accordance with the agreed conditions and ensure that the overdue situation will not happen again.

6. If no agreement can be reached, the cardholder may need to consider other solutions, such as consulting legal professionals or debt management agencies.

Summary: Credit card overdue can be solved through legal negotiation, and the cardholder needs to contact the bank actively to make reasonable demands. During the negotiation, both parties can discuss and reach a solution to restore the credit record.

Extended data:

In the process of legal consultation, cardholders can consider seeking the help of professional debt management institutions or consulting lawyers to get more comprehensive and professional advice. These institutions usually have rich experience and can provide cardholders with effective solutions to help plan and manage debts. Please remember that it is very important to take timely action on overdue issues to avoid further economic and credit losses.