First, there is no problem with the 60 thousand credit card. I return it to the company every month, and I also return some every month. The company's monthly interest rate is below 2 points.
Second, regroup and find a job, at least find a major that you are proficient in and make a good start. This is the king.
Third, do a good job in financial planning! You can continue to apply for a credit card or use it to raise a card. However, planning your own finances is a lifelong matter and can be passed on to future children! ! !