1. Contact Changzhi Bank: immediately contact the customer service department or relevant person in charge of Changzhi Bank to explain your situation and seek solutions. It will provide some flexible repayment arrangements or deferred repayment options.
2. Negotiate repayment plan: negotiate with Changzhi Bank to make a reasonable repayment plan, and put forward feasible repayment methods and amounts according to their own economic conditions. Banks will consider their own actual situation and provide some help, such as adjusting the repayment period and reducing interest.
3. Seek professional advice: If you are confused or unable to solve the problem, you can consult a professional financial adviser or lawyer, and you can provide yourself with more specific guidance to help you deal with the repayment problem.
4. Pay attention to credit records: try to avoid more negative effects on credit records. Even if there is a repayment problem, measures should be taken to solve it as soon as possible to reduce the adverse impact on personal credit records.