Directly dial the 24-hour service hotline of the issuing bank of each credit card, transfer to manual customer service, ask the customer service to help with the inquiry, and then add up the arrears found in each card for statistics, and you can get the total credit card arrears. This method is the most accurate and convenient. It can be done with a phone call. If you have any questions, you can communicate directly with customer service. However, if there are many people, the line may be busy. It's best to avoid making phone calls during rush hours.