If the debt in the form of a credit card, in accordance with the provisions, minimum payment is 10 percent of the final balance. If you are in a difficult condition to pay the minimum amount, could have filed a request leniency in the bank. But, usually this will take time and may not be approved. Because, in principle, whose name the debt must be paid in accordance with the agreement that you agreed with the bank.

Advice from me, problem analysis what happened so that you cannot pay the minimum amount. If the problem is permanent, such as losing a job, then you should apply to credit card balances converted into credit without collateral.

In other words, you make new loans without collateral, credit schemes, and then the loan is paid to pay off credit cards. Now, the credit in the form of loans without collateral magnitude usually has a smaller mortgage, but fixed. So, when it agrees with a certain number of installments, the installments must be paid that much, not less and not more.

If the problem occurs because the problem cannot control your spending, but obviously not enough income to pay credit card bills, then it is advisable to immediately close the credit card when due.

However, if the problem is a problem faced by the 1-2 month temporary nature only, for example because you are sick and the money used for payment of hospital fees. It would be better if it remains handed as usual. Surely you will get a big enough fine for not paying or pay less, but still a fine that would have happened if they choose the first alternative above. What matters is, in the next month you pay more than the minimum repayments.

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