How to handle the credit card loans overdue?

1. Contact the bank or P2P company immediately: Once you find that your credit card bill or online loan is overdue, you should take the initiative to contact the bank or P2P company as soon as possible to explain the overdue situation and ask about the overdue disposal method and cost. 2. Timely repayment or delayed repayment: After overdue, it is the best choice to pay off the arrears as soon as possible. If you really can't repay, you can communicate with the bank or P2P company and apply for extending the repayment period or postponing the repayment to avoid extra expenses such as late payment fees or penalty interest. 3. Repayment: In case of long-term arrears or overdue for many times, repayment is needed, and idle funds within a certain period of time are used to pay off the arrears as soon as possible to avoid increasing interest and late fees. You can consider some savings or financial management schemes to increase the source of funds for repayment. 4. Seek negotiation: If the repayment pressure is too great, you can consult the bank or P2P company for support and help. Banks or companies will not go to court easily because it is not only expensive, time-consuming and unstable. 5. Avoid overdue again: The most important thing is to avoid overdue again. It is necessary to strictly control consumption, formulate a reasonable budget, ensure that the repayment arrives on time, and pay off the relevant arrears in time. If necessary, seek financial advice and help.