In the case of owing 400,000 on a credit card, it is recommended to adopt the following self-rescue methods:

1. Develop a detailed repayment plan. According to the current repayment ability and income situation, formulate a detailed repayment plan, repay on time, and try to avoid overdue repayments to avoid affecting your personal credit record.

2. Communicate and negotiate with the bank. Contact the bank in a timely manner to explain your repayment difficulties and adverse circumstances, and apply to the bank to adjust the repayment period, lower the interest rate, etc. to help you tide over the difficulties.

3. Seek professional help. You can consult a lawyer or a third-party financial institution to learn about solutions such as bankruptcy, debt negotiation and restructuring, and find a suitable solution.

4. Examine consumption habits. Reflect on consumption habits, adjust consumption concepts and methods, and avoid falling into similar borrowing difficulties again.

In addition, owing a credit card debt of 400,000 yuan will have a negative impact on the individual, for example:

1. The bank will take accountability measures to collect debts from individuals who overdue repayments. Reduce your personal loan limit.

2. Your credit record will be affected, which will have a negative impact on your personal credit score and affect future loans, renting, etc.

3. The bank will also pursue liability through legal channels, which will affect the legal rights and interests of individuals.

It should be noted that online loan big data can reflect an individual’s credit situation, and banks will also pay attention to an individual’s credit record when lending. Therefore, you should pay attention to your own credit data and check your credit reports in a timely manner to avoid the impact of bad credit on your own interests.