1. First, plan your debt situation, sort out how many credit cards you have now, overdue online loans, how much is owed, how long it is overdue, who has a higher penalty interest, etc.

2. For those who are expected to be negotiated, do not negotiate with third-party debt collectors, but take the initiative to negotiate installments directly with the bank's specialized processing department. Be sincere and tell all the reasons why you cannot repay on time. Explain clearly the difficulties, etc.

3. Express your willingness to repay. This should be reflected in the communication, indicating that it is basically impossible to repay in full, and then propose that you can reduce the interest and repay in installments.

4. Check your bills carefully to see if there are any interest or liquidated damages that exceed the regulations. If so, you can also negotiate and request for them to be reduced or exempted. These interests that exceed the legal limit are not in compliance with the regulations, so you can Apply for relief.