First of all, the borrower needs to pay off his loan amount and the penalty interest arising from overdue. If there is no way to pay it off in one lump sum, he can also negotiate with the bank for installment. Secondly, don't blindly cancel credit cards, insist on using credit cards that cause overdue, spend rationally, and add credit consumption records.

If you haven't borrowed online loans before or haven't been blacklisted after the deadline, the borrower can give timely feedback to the official customer service staff of online lending institutions and ask them to help you delete bad records. If it is overdue for a long time and is blacklisted, you can only pay off the arrears first, and then wait for the new loan record to overwrite the old record, which can be automatically deleted after five years.