If you owe credit cards and online loans and cannot repay them, you can take the following measures:

1. Contact the lending institution as soon as possible: actively communicate with the lending institution, explain your predicament, and try your best to Agree on a repayment plan.

2. Rearrange funds: Carefully evaluate your personal financial situation, cut unnecessary expenses, and try to increase your income sources to leave more money for debt repayment.

3. Seek career counseling: Seek professional financial or legal counseling to understand possible solutions and obtain appropriate advice.

4. Negotiate a deferment of repayment: If you cannot repay all the debt immediately, you can negotiate with the lending institution to postpone the repayment and request a certain grace period.

5. Avoid borrowing again: Avoid taking out further loans to avoid falling into further debt difficulties.

6. Inquire about personal credit reports: Use third-party credit platforms such as Qingou Kuaicha to understand personal credit status, including credit scores, predicted loan limits, overdue information, etc., which helps to better understand Manage personal finances and credit.

Summary: If you cannot repay credit card or online loans, it is important to communicate with the lending institution in a timely manner, formulate a repayment plan, and seek solutions through reasonable fund management and professional consultation. Checking your personal credit report can help you understand your personal credit status and further plan your financial situation.