1. Increase the monthly repayment amount: the monthly payment exceeds the minimum repayment amount, which can shorten the repayment period and reduce interest expenses. You can increase the repayment amount by controlling consumption and adjusting lifestyle.
2. Debt consolidation: combine your credit card debts into a cheaper loan or use credit card debt transfer. This can reduce the interest rate and repayment amount, but you need to ensure that you can repay the loan on time.
3. negotiation with the credit card company: contact the credit card company and discuss with them any feasible repayment plan or the possibility of interest reduction. Some credit card companies may be willing to cooperate with you to help you solve the debt problem.
4. Seek professional help: If you feel that you can't solve the problem alone, you can consider consulting a financial professional, such as a debt consultant or a financial planner. They can provide you with more specific solutions and help you make a repayment plan.
no matter which method you choose, the most important thing is to control consumption, make a reasonable repayment plan, and ensure that the debts are repaid on time.