2, surrender does not solve the fundamental problem, even if sentenced to prison, the principal and interest need to be repaid in full.
3. For credit cards, there are indeed regulations that the repayment of the card owner can be postponed. I don't remember which one it is, but I need the bank's approval. Because of the complicated procedures, banks are generally closed, and I have found a third party, which means that I haven't returned it twice, which is three months overdue.
Suggestion: Revolving repayment,