The credit card debt is 654.38 million, which can be said to be a lot. For many people, you can't earn that much money without eating or drinking for one year, which is the total income of ordinary families for one year. If the monthly income is only three or four thousand yuan, then this overdue debt is undoubtedly a huge sum, and it can't be repaid anyway. So what is the most cost-effective?

First, sort out your debts. If it is overdue, the choice is not as much as it is overdue, but the cost will be smaller than that without overdue, because after overdue, the cardholder can negotiate with the bank and stop the growth of interest and liquidated damages. Most importantly, they can pay the arrears in installments without interest. The only drawback is that their credit information will be affected if they don't repay.

If you don't want to bear such a heavy repayment pressure, the best way is not to spend in advance. Being light without debt is not just talk. You must spend rationally when using credit cards, or you will regret it.

Today, I use my personal experience to tell you how to deal with it.

First of all, don't choose to use the card to fill the overdue pit. At the beginning, I had three credit cards, each of which was more than 30 thousand. My friend told me at that time that I must raise a card in advance and so on ... After a few months, my family suddenly needed money, and I didn't even want to take 50 thousand yuan out of the card directly. From now on, I can reverse the card in a large amount every month, and the later expenses are getting bigger and bigger. .......

This method of robbing Peter to pay Paul can solve the temporary problem, but if it goes on for a long time, your debt will break out one day. It's like an interlocking chain. Once a place is broken, your debt will collapse, and the situation you will face will be more serious, so you must stop loss in time, and you can't lose big because of small.

Here are some suggestions for everyone:

1. Credit cards are preferred. 2. Give priority to cards that can be handled. 3. Keep in touch with banks. 4. Plan your finances and see how much you can pay back every month. 5. Work hard and spend reasonably.

What if your salary is about 5000 now and you have three credit cards, and the limits are 10, 30,000 and 50,000 respectively?

First of all, our salary can basically meet the debt of 3000-3500 yuan a month, and then we can borrow some from our family or relatives and friends. First, get rid of all the 1000 cards or 30,000 cards. If the remaining 50,000 cards are overdue, you can apply for personalized negotiation and staging, and then it may be divided into up to 60 stages, so you don't have to be so stressed.

The important thing is to work hard and earn more money. Some debtors failed because of business, some because of beer and skittles, and some because of gambling. Whatever the reason, we should adjust our mentality and try to make money. In today's society, as long as you eat hard, you can still make money. Takeaway, express delivery, construction site, etc. There are too many things, we just need to strengthen one belief and pay off our debts. Keep doing it and it will only get better and better.

Staging overdue credit cards, also known as personal debt restructuring, can not only help debtors ensure their basic livelihood, but also make reasonable repayment and avoid collection and asset disposal. If it is a financial problem, it is not recommended to pay back several hundred and one thousand yuan, which will deduct interest and liquidated damages. Either relatives and friends turn around and pay off the overdue interest in one lump sum, or the bank will stop paying the interest, so that the interest will not rise, and pay it back slowly to avoid collection and prosecution! If you don't know how to negotiate, you can go to the home page to give you an in-depth answer.