I am a small president of a grass-roots bank, and I often come across this situation to consult me. Today, I will briefly talk about some immature suggestions.

1. Find out how you owe money. To solve the problem, we should start from the source of the problem. If it is due to bad habits, unreasonable consumption and other reasons, we should first reflect on ourselves and then put an end to bad habits and unreasonable consumption.

2. Count your assets and liabilities and calculate your net assets. After figuring out how much assets or net liabilities you have, you can proceed to the next step.

3. installment payment. If the credit card debt is not particularly large, and there is a stable income, you can choose to repay by installments, extend the repayment period, and pay it back slowly.

4. sell off non-essential assets. For example, luxury goods bought by high consumption and vehicles bought beyond personal ability are all sold and paid back.

5. Asset replacement. If conditions permit, you can apply for a bank consumer loan and then repay it slowly, because the interest rate of credit card installment or overdue is high and the interest rate of ordinary bank loans is low.

6. Introduce external investors. For example, gnawing at the old, borrowing some from friends and relatives, and having a good object to help you repay.

7. declare bankruptcy. But now only Shenzhen has a bankruptcy pilot, so you have to go to Shenzhen first to improve your income level. In the case of sufficient income level, all the above can be ignored.

I am a small governor at the grass-roots level. Let's brag and tell stories together.

In the credit society, everyone has several credit cards. When using credit cards, I feel that I have them all over the world. I am a "card god"! If you are not careful, when it comes to repayment, you will find that the pressure is great and the "card god" becomes a "card slave". About my story, it turned into a miserable life of "card slave"

I was once caught in a credit card crisis.

It was in 215. I had just joined the work for a few years. I saw that all my friends around me used credit cards to spend money, sometimes caught up with credit card activities, and the concessions were not small, and they could still save points. I took the initiative to apply for a credit card from the bank.

it wasn't long before I got some credit cards. The feeling of swiping a credit card is really good, because there is an interest-free use period, and you don't have to pay immediately after you buy something, so you often feel free when you buy something. In the past, I needed to weigh what I should buy. As soon as I swiped my credit card, I bought it without hesitation.

What's even more frightening is that I later found a way to cash in my credit card. Two or three credit cards were flipped back and forth, and I could get a sum of money from my credit card that could be used for a long time, which made my consumption expenditure even more uncontrollable.

In 215, there was a round of sharp rise in the stock market. At that time, I thought, why not go to the stock market to earn some money with the "cash" used by banks for free? As a result, tens of thousands of dollars were invested in the stock market, and in a blink of an eye, there was a stock market crash, and the situation was fierce.

It wasn't long before I got the credit card, and I found myself in deep debt crisis. With the inflated consumption desire and failed stock market investment, the credit card owed more and more.

before long, several credit cards were stuck, and sometimes even overdue. Using a credit card is no longer beautiful, and I have changed from a "god" to a "slave", which makes me panic when I first entered the workplace. 2 "card slave" turnaround strategy

The credit card debt is like a snowball, and the more it rolls, the more late fees and interest will be levied when the credit card is overdue, which further aggravates the debt.

at that time, I thought, escape is not the way. You can't escape the credit card money. You can't wait until the bank comes to you, and then solve it. That would be very passive.

I had to face up to these debts, find a time, sit at my desk, carefully analyze my debts, and figure out how much money I owe, so as to set a good goal and make a planned repayment.

I haven't used my credit card for a long time, and my debt situation is very chaotic. Several credit cards have arrears, and some of them have been overdue. After calculation, the overdue interest actually reaches 18%.

I simply classified my credit card debts, sorted them according to the time sequence of repayment, and for the convenience of calculation, gradually concentrated the debts on three credit cards, and gradually cancelled the rest.

I cleared up my own debts. At the beginning, I owed about 5, yuan on my credit card. As a newcomer in the workplace, it is difficult for me to pay it off at one time with my own salary.

after thinking about it, I still have to ask my family for help. Although I will lose face and be scolded if I borrow money from my family, the hole in my credit card will only get more and more owed, and then it will be more difficult to clean up.

So, I admitted my mistake to my parents, and borrowed 3, yuan to repay the most urgent credit card loans, leaving some long-term ones, ready to work hard on my own.

Of course, I must admit that I am lucky. My family has the ability to provide me with some help. What should I do if I have no loan conditions?

I think that if we can't borrow money, we should extend the repayment period of credit cards instead of waiting for a late fee. Before paying by installment, we should first understand the policies of various banks and find the bank with the cheapest interest rate for installment.

There is also a lot of knowledge about how many installments are divided. You can neither extend the repayment period too long, which will make the interest burden heavy, nor shrink it too short, which will exceed your monthly salary repayment ability. Generally speaking, it is very reluctant to spend 5% of your monthly income on repayment.

It's refreshing to swipe your card for a while, and there are two lines of tears in repayment. You have to go through a process in your mind to accept credit card repayment, so that you can not be impatient and get into other troubles.

The reason is simple. If you want to solve the credit card debt, it should be the inevitable choice for card slaves to increase revenue and reduce expenditure.

during the time when I used my credit card, I really bought a lot of unnecessary things and spent a lot of money. In order to pay off the remaining 2 thousand yuan, I changed my consumption concept, and I can buy or not, and I will definitely not buy it; You can spend money that you don't spend, and you will definitely not spend it.

Overconsumption of prepaid credit card funds and inability to repay further debts will only lead to a vicious circle of debts. In order to pay off debts, debts must be reduced at the source.

During that time, in order to save money, I got into the habit of keeping accounts. By counting my daily expenses, I gradually got to know the ins and outs of my income and expenses, knew where the money went, and consciously controlled the money's whereabouts and excessive consumption.

On the other hand, in terms of open source, I take the initiative to undertake the overtime task of the unit, and by increasing the working hours, I get overtime pay. Of course, you can also do some part-time jobs to earn extra money, but you must not rush to seek success and choose high-risk projects.

If you become a "card slave" because you buy Apple mobile phones and fashionable luxury goods, you can also increase your income by selling some goods, which are not in line with your income for the time being. Plug the credit card hole first, which is the right way.

Luckily, with the help of my family and my own efforts, it took me about a year to pay off my credit card debt. Since I stepped on this pit, I have become more and more cautious about the use of credit cards. Of the large number of credit cards I started, only two were left for daily use, and all the others were cancelled.

Of course, some friends are not so lucky. They owe more on their credit cards, and the repayment period has to be longer to solve the debt problem. At this time, it is also an alternative to negotiate with the bank.

We can take the initiative to negotiate with the bank, show our repayment attitude, strive for a more favorable repayment method, and ask the bank to reduce some fees.

The purpose of issuing credit cards by banks is not to push borrowers to the wall, but to make money. Seeing your attitude, I believe they are still willing to make some concessions and let you repay as soon as possible.

These are my opinions, which I hope will be helpful to you. Please also welcome to discuss them in the message area.

I think many people are still using credit cards to make a living, which is really not desirable. Credit cards are interest-free credit card swiping benefits given by banks based on our credit. We need to treat credit cards well and swipe them reasonably to have better credit.

Let me tell you two cases. The first case is my relative's. She was accompanying her children to school, and the money she earned from her previous work was used. Her husband was still at work in the first year, and later he lost his job. In this way, the two people have no source. At this time, the woman used to have a lot of credit cards at work, and all of them happened to be used. All day long, the money in the credit card was emptied, and she knew that the money with the credit card must be paid back, so she dragged the card debt by installment and minimum repayment.

In this way, in two years, her credit card debt has reached about 1, yuan, and it is impossible to turn it over. If she doesn't pay it back, she will go to the credit bureau. She was so anxious that she came to Shanghai to ask for help from her relatives. Later, everyone pooled their money to help her pay off her card debt, and then both husband and wife found jobs, so that most of the money earned every month was used to pay off her debts. When the woman told me, she was still shaking her head. She really said that she couldn't set up a credit card like this. It would be a bottomless pit, and it would be unbearable later.

There is another case that I saw in a community. A woman who owed 13, credit cards said that she could not face it. Before, she had been hiding the profiteering of robbing Peter to pay Paul, and she liked to buy it in buy buy. Then when the turnover was not enough, she had to confess her debts to her family. Although the woman's parents didn't help her, fortunately, a reliable husband was willing to handle her and help her pay off the card debt, but in order to prevent the woman from continuing to be in debt, the man asked the woman to write an iou and then write down how much she would pay each month.

The woman is quite successful. She worked hard to get a high salary and finally found a job with a higher income than before. Then she scrimped and saved every month and gave most of her salary to her husband. Therefore, when you owe a card debt, you must stop continuing to swipe your credit card first. Find out exactly how much money you owe, then ask your family, relatives and friends to help you pay back the card debt, and then save up your own money to pay back the money.