There are many strategies to deal with the problem of long-term credit card debt:

First of all, if it is only a temporary difficulty in cash flow, you may wish to consider asking relatives and friends for help. Be honest about your predicament and they may be understanding and offer you a short-term loan to pay back when you feel better.

Secondly, when encountering sudden personal difficulties, such as illness or unemployment, contact the bank promptly. Explain the specific situation to customer service and apply for deferred repayment. The bank will usually consider the customer's actual situation and grant a certain degree of grace period.

If the financial pressure is too great and it is difficult to repay it all at once, you can try to apply for a suspension of interest payments. This means suspending interest calculation and repaying the principal in installments, which can reduce repayment pressure. You need to prepare relevant materials and negotiate with the bank to reach a suitable repayment plan.

Finally, if none of the above methods can solve the problem, you can consider further negotiation with the bank to see if it is possible to forgive part of the debt. If negotiations fail, legal avenues are also an option, but be sure to seek help within a legal framework, such as applying for debt restructuring or relief through judicial authorities.

In general, the key is to communicate in a timely manner, show sincerity, and find a solution that suits you to gradually solve the problem of credit card debt.