What to do if you owe a credit card due to depression

If your income is reduced or no income due to physical problems, you can apply to the bank to negotiate repayment in installments, and you need to provide corresponding certificates.

What to do if you go on a shopping spree with depression

Shopping spree is actually a kind of exposed emotion to relieve stress. The difference is that depressed patients go on an "unconscious" shopping spree without considering the consequences, so When you receive a credit card bill, you will find that the number is as high as six digits, and there are many different credit card bills with more than six digits. This also makes it worse for patients with depression, who are constantly in the "regret mood" and cannot get out of it. , and regret is the most useless emotion.

The best way to solve the problem of crazy shopping is of course to receive psychological counseling and treat depression, but if you are still in this process, the counselor will provide you with a simple and effective method - —Manage your wallet or mobile payment.

If you can’t control your “psychological” shopping desires, you can “actually” control your wallet. The simplest step is: cut off all credit cards, use cash to live, and keep accounts and write down every purchase. It is best to plan the expenses of food, clothing, housing, transportation, entertainment and other living expenses. Every time you go out, you only bring cash that can be spent on the day. If you use it up, it will be gone. So use practical actions to force yourself to face the psychological material desires, awaken self-awareness, and ask yourself: Do I really need this watch? Then he told the clerk "I'll think about it" and left immediately.

You will find that five minutes later you have forgotten your watch and your attention is attracted by a fashionable leather bag. This method is called "diverting attention". Likewise, you don't need that trendy leather bag.

Because I suffer from depression and anxiety, I have been out of work for 5 months. Now I owe a lot of online loans, which adds up to nearly 30,000. I really don’t know what to do.

I I think you may be anxious because of a lot of stress, but you may have become more anxious and depressed after quitting your job.

The most important thing is to find a job first and repay the online loan.

You are also big-hearted.

If you quit your job because of depression, you don’t even tell your parents. The compound interest on online loans is terrible, so you should discuss it with your parents and pay it back.

The pressure in modern society is really great, but we need to strengthen self-regulation. When you feel that you are too negative, find ways to relieve stress, such as exercising or something. There is always a way.

But if everyone quits their job because they are stressed and depressed, will it be okay? Ask our parents to continue to come out and carry it for us.

So if the questioner solves this online loan crisis, he should work as soon as possible.

What should I do if I owe the bank a credit card and am unable to repay it due to severe depression?

If the amount is not large, you can refuse to repay it. At most, it will be on the credit blacklist and it will be canceled after five years. Loans and other things will be normal after five years

This is the introduction of how to apply for a credit card when you are depressed.