1. Prepayment: Use idle funds to prepay credit card arrears and reduce the accumulation of interest. Repayment before the repayment date can avoid the generation of interest and thus reduce the burden.

2. Installment payment: If it is difficult to repay in one lump sum, you can negotiate with the bank to repay the remaining principal in monthly installments. Although you still need to pay a certain amount of interest, it can reduce the pressure compared with one-time repayment.

3. Transfer to other credit cards: If you have other credit cards on hand, you can transfer the credit card with high interest rate to the credit card with low interest rate for repayment. This can reduce interest expenses and reduce the burden.

To sum up, when the credit card interest exceeds the principal, we can solve this problem by prepayment, installment payment and transfer to other credit cards. According to the individual's actual situation, choose the appropriate way to reduce interest expenses and financial pressure.

Extended data:

When using credit cards, we should pay attention to reasonable planning of consumption to avoid excessive overdraft and consumption beyond our own ability. Repay in time to avoid high interest. In addition, you can choose a credit card with preferential policies, such as providing interest-free period or cashback benefits to reduce interest expenses.

We should choose the appropriate repayment method according to our actual situation and ability to avoid further increasing the debt burden. At the same time, you can also consult the relevant credit department of the bank or call the bank's customer service number to negotiate with the bank to make a reasonable repayment plan according to the specific situation.

In short, in the face of the problem that credit card interest exceeds the principal, we should actively find ways to solve it, arrange the repayment plan reasonably, reduce the debt pressure and maintain a good credit record.