The most important thing right now is committing to something, not waiting. Overdue balances get harder to resolve the longer they sit.
A few things that are true:
Committing to a path early keeps your Split Pay account in good standing
Waiting it out is the only option that consistently makes things worse
One self-serve option you might not know about: if it's within 4 days of your original due date, you can move your payment date yourself using the pay-now link in any of the texts or emails we've sent you. No need to talk to support for that one — it's right there in the link.