Hello, credit cards and online loans are not available yet. I suggest you actively negotiate with financial institutions. Now, credit cards can be negotiated in personalized installments, which can be divided into up to 60 installments. Online loans can be negotiated to stop payment. If you don't actively negotiate, you will face collection harassment, which is likely to blow up the address book and bring a lot of trouble to your life. Will eventually be sued by the bank. After the negotiation is successful, there will be no collection and no prosecution. Of course, I will make a repayment plan according to my actual income, and deal with the debt problem as well as possible on the premise of keeping enough monthly living expenses.

I hope this answer can help you.