You can temporarily reduce the repayment pressure by the following methods:
1. On the one hand, increase personal income, for example, you can take a part-time job after work (such as delivery and driving). Increasing income is the best way to solve the arrears. On the other hand, cut expenses, try to reduce personal expenses and save money. As long as your monthly residual income is higher than your credit card cashing fee, the extra funds can be used to repay the principal of your credit card. With the accumulation of months, your principal will gradually decrease, and the corresponding cash-out expenses will gradually decrease. Finally, you can gradually pay off your credit card. In order to get rid of this situation, the most important thing is not to increase new debts, but to find ways to pay off old debts.
2. Self-control ability: In fact, the problem of credit card debt is, in the final analysis, the problem of self-control. As long as you can control your consumption desire and swipe your card moderately, there will be no problem of non-repayment. Therefore, if the self-control ability is weak, it is really not recommended to open credit cards and flowers, otherwise the debt will only get higher and higher. At present, your credit card limit can still support your cash withdrawal and repayment by the other party. When the credit card limit is full, you can't withdraw cash and repay each other. This is the beginning of your tragedy. If the credit card is overdue, it will only ruin the credit information and affect the subsequent loan. What's more, it will involve the crime of credit card fraud (the amount is more than 50 thousand yuan) and may go to jail.
3. In short: everything is two-sided, and credit cards and flower beds have certain benefits, which can solve our temporary cash flow problem; But it also has its own disadvantages, which will prompt us to consume blindly. If we have poor earning power or poor self-control, we may further step into the abyss. By the end of the second quarter of 20 18, the total overdue amount of credit cards for half a year had reached 75.6 billion yuan, and the overdue amount increased faster and faster, exceeding half a year. If the overdue amount of national credit cards is counted in the first half of the year, it is estimated that it has broken the 100 billion mark, so we must learn to swipe our cards moderately. When robbing Peter to pay Paul and finally finding the arrears snowballing, the only way is to stop borrowing new debts in time and find ways to pay off the old ones.