If you have high credit card debt, you will be blacklisted and bank loans will not be available.

It is recommended that you take the following methods:

1. Find a pawn shop for help: If you have real estate or a car in your name, you can find a local regular pawn shop for help. As long as the collateral you provide meets the requirements of the pawn shop, you can easily get a loan. There are no requirements on your credit, employment, debt, etc. However, pawn shop loans are only suitable for short-term capital turnover.

2. Go to a loan company for a loan: If your credit card debt is too high, you will not be able to get a loan from the bank, but the loan company has not closed its door. As long as you have the ability to repay the loan in full and on time and provide qualified collateral, you can apply for a mortgage loan from a loan company. Of course, if your income is high and stable, some loan companies will also grant you unsecured loans.

3. Private lending: If you have high credit card debt, you can try private lending when you have a need for funds. Generally speaking, private lending does not pay special attention to your debt situation. As long as you can promise to repay the loan in full and on time, most of you can get a loan.