I owe a credit card and borrow more than 1, yuan, so I can't sleep every day. What should I do?

I have a credit card of 3, yuan and a loan of more than 3, yuan. I used to live in dire straits every day, but now the loan is almost finished. I want to reflect on what went wrong and why I owe so much money. To be honest, it's all because of my ignorance. I want to adjust my mentality and start over. Everything will be fine! But if you are the drug addict and gambler, you should quit immediately, or your final result will be unimaginable!

Being in debt will cause your inner pressure, anxiety, panic and helplessness. This is normal! But don't indulge in these negative emotions all the time.

first, calm down and list all the credit cards and online loans that owe money. How much does each channel owe? What is the daily interest rate? Be clearly aware of your debts.

Secondly, find a stable job. If you have income, list the details of your income. How long will it take to pay it off if you scrimp and save money and basically do zero shopping?

again, if you owe more than 1, yuan, it's really stressful. First, you can reorganize, re-reach an agreement with the creditor through legal channels, and help those who fail to pay at one time or the minimum repayment is too high after the deadline, and reorganize and deal with them by stages. Reduce the pressure, so that there is an excessive time to earn money and repay. Second, ask your family for help, confess how you owe money and where it is spent. With the support of your family, your pressure will be less, and you will know that you are not working alone, so you will have more motivation.

Finally, it is an era when sideline business is just needed. You can develop sideline business and choose those that don't consume too much time and energy while ensuring that your work can be unaffected. In the internet age, you can get more benefits through sideline businesses such as writing, short videos and e-commerce. Personally recommend you to be an e-commerce, which has a good development prospect at present. I'm doing it, too

in a word, slow down your own pressure, clearly understand the specific situation that you owe money, increase revenue and reduce expenditure, and don't run away from difficulties. Only when you face it can you solve it!

I hope I can help you.

I can understand your feelings. After all, I have come over. Online lending is really convenient, and the application is simple and the next payment is quick! ! When money is needed, many people think of it at the first time. Later, it will form a vicious circle by borrowing money to support loans and robbing Peter to pay Paul. The amount owed will be more and more. If you don't try to change it, you can imagine the future.

Some personal suggestions:

1. Sort out your debt situation and make a repayment plan. Those who apply for credit information should be given priority, and those who fail to apply for credit information will be dealt with last. After all, now is a credit society, and many things can't be done in the future.

2. Ask for help, talk to your parents, relatives and friends about your actual situation, and see if you can help to tide over this difficulty first. It is not difficult to borrow if you have something.

3. Open source and reduce expenditure to change your consumption mode, and minimize unnecessary expenses.

4. Find some suitable sideline businesses to increase your personal income. It is very difficult for the boss to give you a salary increase of 1, yuan, and it is still easy to earn 1, yuan a month by other means.

in p>17 years, I was in debt for hundreds of thousands. I have survived, and I believe you can, too! !

There is no hurdle in life. How can you see a rainbow without experiencing wind and rain!

The above is just my personal opinion, I hope it will help you! Welcome to comment

How many people dream of paying off their credit cards?

how many people can't pay off their debts? How many people made the wrong choice for the sake of commitment? And how many people still don't know the correct treatment method?

These are all questions that we debtors should ponder deeply. What causes us to fall behind, and what can we do to solve the problem effectively?

the only way to solve the problem is money. How and how much this comes has become a difficult problem for everyone. No one can really help us with this problem. Only by self-improvement can we solve it effectively.

there are several ways to solve the debt. there are many ways to solve the debt without overdue treatment. the best way is to repay it with your own money, not others'. After the deadline, there is only one solution, that is, reorganization.

so what is reorganization, how and through what reorganization?

Reorganization is to deal with it through legal channels, and then reach an agreement with the creditor again, to help those who fail to pay in one lump sum or the minimum repayment is too good after the deadline, to reorganize and deal with it by stages, to relieve our pressure, return to normal life and avoid the troubles caused by overdue!

first of all, don't be afraid if you owe money. You should plan how to pay it yourself. Compared with me, right, I, too, have more debts, with a total debt difference of more than 7,, mainly a mortgage of more than 6,, which is better than a credit card of 1,. Fortunately, the repayment software I have been using has temporarily relieved the pressure and allowed me to engage in sideline business. The monthly mortgage is more than 6, yuan, and the pressure is still relatively high. Therefore, we should try our best to make money. We can't always think about not working hard when we are in debt, and wait for others to help you. Is that impossible? Now I do it at night besides going to work every day, and the income is not bad. I believe this debt will be paid off soon. Come on, this debt is nothing. I owe so much and I am still working hard. You should cheer up and get better gradually. Please work hard! ! ! !

First of all, the important thing is to have a correct attitude, face it bravely, and work hard to make money. It is possible to go from being poor and white to being rich and expensive.

It's not much. There's no need to put too much pressure on yourself. Now, as long as you are willing to work hard and endure hardships, you will be able to pay back in more than 1, years. It just takes me more than a year to work hard. If it is hundreds of thousands, it may be a little more troublesome. I just owe 4, to 5,, and I only paid 1, in one year. I owe 25, to my credit card, but I still use the repayment software. There are more than 1, online loans. You can't sleep with more than 1 thousand in debt, so I don't have to commit suicide. There is no hurdle to get through.

owing a credit card and lending more than 1, yuan online is a foregone conclusion. I can't sleep, and my mental stress is great. It will only be more difficult for me to collapse. So the sensible thing to do now is to make a detailed list of all the money owed and make a repayment plan according to my current income.

Then, on the basis of the existing conditions, see if you can find something else. No matter how much you owe, there must be a certain amount. It is impossible to be unclear. Don't be too pessimistic. According to the current basic salary level, it is 3, yuan a month and 36, yuan a year. Excluding the expenses of 6, yuan, if you pay back 3, yuan a year, you will pay off about 12, yuan in four years.

Don't worry about things blindly, but deal with them calmly. I wish you an early debt relief.

as long as you are open-minded and have a strong mind, then your problem is not a problem. The most important thing is mentality.

Too much credit card debt will lead us to overdue. In this case, if we haven't solved it, we will face the harassment of collection, the increase of risk, interest and liquidated damages after overdue, which is very distressing and will also affect our credit investigation. So if it is not solved in time, it will be a triple blow to the body, mind and spirit.

so what should we do if the debt is not enough?

1. sort out your debts

2. plan your future repayment plan

3. increase your income sources

4. after you have the repayment ability, you can reorganize by stages through legal channels to avoid risks and losses caused by overdue and return to normal life.

I owe a lot, and I can't afford it. dead mouse feels no cold, I should eat and sleep. Try to return the credit information slowly, as little as you want. As long as you don't interrupt the repayment, the bank won't rush you desperately. Don't worry about those who don't go to the credit.

what about the credit card sleep state? Depends on the card demand!

With the increasing popularity of credit cards and various credit card offers, many card friends have more than one credit card in their hands, while some credit cards have not been used after activation, and they may not be able to use them for a long time. So, what about the credit card sleep state? Let's take a look at it.

A credit card will become a sleeping credit card when it is asleep. Generally, as long as the credit card has not made any financial transactions (excluding interest settlement and inquiry) such as consumption, cash deposit and withdrawal for more than 6 months, it will be in a sleeping state. Although there is no card in sleep card, there will be security risks and even bad credit reporting.

For example, if the cardholder fails to properly manage the sleeping credit card, which may lead to the loss of the card, it will be easy for the cardholder to illegally steal the card information by stages and steal the credit card. Or it is activated by someone under an assumed name, which invisibly increases the security risk. In addition, although sleep card has not used it for a long time, it may also be charged fees, such as annual fees, and if it is not repaid in time, it will affect the credit investigation and even generate high interest.

therefore, cardholders must properly handle sleep card.

as for what to do, it depends on the cardholder's willingness to use the card. If you want to use the card, it is recommended to call the customer service phone of the issuing bank directly to reactivate the use of the credit card. If you don't plan to use the card, simply cancel the credit card.

If you want to cancel sleep card, you must first ensure whether there is any debt or overpayment in the credit card. If there is any debt, you must pay off the debt. If there is any overpayment, you must take out the money, and then call the customer service of the issuing bank to cancel. It should be noted that there is a waiting period of 45 days for the successful cancellation of credit cards. During this period, it is necessary to ensure that there is no arrears and balance, otherwise the cancellation will fail.

that's the introduction of "how to do credit card sleep", I hope it will help you. Finally, I would like to remind you that there are various risks in the sleep state of credit cards, so we should avoid sleeping with credit cards and handle cards according to our own needs, so as not to waste resources.

Why does the credit card fall asleep?

If it is not used for more than one to two years, the bank card will automatically turn to sleep; If you want to activate the bank card, you can activate it at the bank with your ID card. The state of being dormant and frozen after long-term unused.

After the parties bring their ID cards and credit cards to the bank to queue up for calling, they go to the bank to ask the counter staff to get the application form, and then fill in the contents that must be filled in the customer column above; After calling the number, go to the counter, give the ID card, credit card and application form to the counter staff, and then handle and activate according to the instructions of the bank staff;

Extended information

1. ICBC: If the average daily balance of the account in the current quarter is less than 3 yuan, the bank will automatically deduct the management fee of 3 yuan and the annual fee of 1 yuan for each quarter. If the arrears are one and a half years, the bank will automatically cancel the account.

2. Agricultural Bank of China: If the average daily balance of the account in the current quarter is less than that in 5 yuan, the bank will automatically deduct the quarterly 3 yuan management fee and 1 yuan annual fee. If you are in arrears for one and a half years, you will automatically become a "sleeping household". Turn into a "sleeping account", and if there is no transaction within five years, it will be cancelled.

3. Bank of China: Debit cards will be charged an annual 1 yuan fee. If the balance is insufficient, arrears will be formed. If you want to cancel or reuse the account, you need to make up the arrears. An account with zero balance for one year and no use for three years will be cancelled by the bank.

4. CCB: If the average daily balance of the account in the current quarter is less than that in 3 yuan, the bank will automatically deduct the management fee of 3 yuan and the annual fee of 1 yuan. Debit cards with zero account balance and no transaction for three consecutive years (including three years) will be automatically cancelled by the bank.

5. Bank of Communications: 1 yuan annual fee will be charged for debit cards every year. If the annual fee is not deducted for two consecutive years, the bank will automatically cancel the card for customers, and during this period, customers need to make up the arrears if they cancel the card themselves.