How to deal with overdue credit card online loans

1. Contact the bank or P2P company immediately: Once you find that your credit card bill or online loan is overdue, you should proactively contact the bank or P2P company as soon as possible, explain the overdue situation, and ask about overdue treatment methods and Cost and other issues. 2. Timely repayment or delayed repayment: After overdue payment, paying off the debt as soon as possible is the best choice. If you really cannot repay, you can communicate with the bank or P2P company and apply for an extension of the repayment period or a delay in repayment, so as to avoid additional fees such as late payment fees or penalty interest. 3. Plan repayment: For long-term arrears or multiple overdue payments, it is necessary to plan repayment and use idle funds within a certain period of time to pay off the debt as soon as possible to avoid growing interest and late fees. You can consider some savings or financial management solutions to increase the source of funds for repayment. 4. Seek negotiation: If the repayment pressure is too great, you can negotiate with the bank or P2P company for support and help. Banks or companies will not easily go to court as it is not only expensive and time-consuming, but also unstable. 5. Avoid being overdue again: The most important thing is to avoid being overdue again. It is necessary to strictly control consumption and formulate a reasonable budget to ensure that repayments are received on time and relevant arrears are paid off in a timely manner. Get financial or financial advice and help if you need it.