Credit card consumption has become a trend. More and more young people habitually use credit cards to spend money. The way of overdraft in advance does provide more convenience for everyone, but it is also easy for cardholders to lose themselves. Once the credit card consumption exceeds its repayment limit, it is easy to fall into the sweet trap of credit cards. Many cardholders will use the method of raising cards to repay when they encounter repayment difficulties, which is very undesirable!

With the official launch of the "second generation personal credit investigation", the use of credit cards and credit products may be subject to stricter "supervision", and the behavior of "keeping cards with cards" is easy to be found. Once the bank finds that the user has the behavior of "keeping the card with the card", in order to control the risk, it may reduce the credit card limit of the user or freeze his credit card.

"Keeping cards with cards" is the act of robbing Peter to pay Paul. It won't make your bonds disappear, but it will make your debts more and more, so don't raise cards with cards. If credit card users have the situation of "keeping their cards with cards", then there are only four ways to save themselves.

1, stop using the card immediately. Raising cards with cards is a vicious circle. In the process of raising a card with a card, there will be a credit card withdrawal fee. The longer it takes, the more it costs. If you don't stop raising cards with cards, cardholders will get deeper and deeper and owe more and more debts.

2. Clean up debts. For users who keep their cards with cards, they must owe credit cards from multiple banks at the same time. If they want to pay their debts, then we must know clearly how much they owe, which bank they owe and how much they owe respectively. Only by sorting out your debts can you make a corresponding repayment plan.

3. Make a repayment plan. For users with multiple debts, after sorting out the debts, they need to work out a specific repayment plan. Generally, if you receive a credit report, those with high interest will repay it first.

4. Negotiate repayment. If the amount owed by the credit card is too large to be paid off at one time, it is suggested that you can actively contact the bank and negotiate with it to see if you can repay it by installments or extend the repayment period. Generally speaking, as long as the cardholder is willing to repay, the bank will agree to negotiate with the cardholder in order to recover the money, and then you only need to repay the money on time according to the negotiated plan.