so, what should you do if you are willing to repay, but temporarily unable to repay?
1
If it is a bank loan, it is best to contact them immediately, and it is best to reverse or postpone the loan.
if not, it is best to apply for loan extension or repayment of principal by installments immediately; If it's a bank credit card, you can apply for stop-and-go installment business.
Although the application may not be approved, it will be rejected twice once, and the bank will consider it according to your situation.
2
If you owe online loans, you'd better list all the online lending platforms you owe.
Differentiate one by one, exclude non-compliant platforms with upfront fees and interest exceeding the legal provisions, and sort the rest according to compliance, and then negotiate one by one.
Before coordination, you must plan your life, release the remaining disposable funds separately while maintaining a normal life, and then coordinate with many institutions to reach a repayment agreement within the amount.
3
Never feel that your salary is low, but your debts are high. For example, your salary is only 4,5 yuan, but your debts are 1, yuan, so you feel that life is hopeless.
As long as you are willing to pay back, negotiate with the platform and pay back some every month, it will pass, and there will always be a trough in life, but after the storm, you will always see a rainbow, so don't worry too much.
many customers ask, I can't eat any food, how can I repay it?
Don't worry too much about this situation, because even if you do go to court, the court will make a repayment plan according to the actual situation. So, don't worry, you can always get over it.
in a word, if you are not sure whether you can pay your debts, is it meaningful to get a credit card? It's only natural to pay back your debts. If you can't pay back the money, then don't overdraw it in advance. Unless you just want to get a credit card and get some card-handling welfare rewards provided by the bank. For example, I will send you an air-fried machine, a bucket of oil, a bag of rice and so on.