As an old bank employee, I want to curse every time I see this kind of question.

Why can’t we live within our means? Why do we have to take online loans? Why are we influenced by sophistication and over-consumption online? Why do we lack financial management concepts and knowledge so much? Why don’t we think of going back to shore and seeking help until we are in debt?

1. Online borrowing should be stopped in a timely manner, and do not think about using loans to finance loans. This will only make the debt bigger and bigger. Our goal is to eliminate debt, not to keep ourselves in debt forever. Using loans to support loans will only increase our burden and make ourselves fall into a bigger "trap."

2. Loans listed in the credit report must be repaid first. For platforms whose annual interest rate exceeds 36, you can discuss with the other party. The portion exceeding 36 does not comply with national regulations and is a loan sharking act. You will only repay 36 in interest and principal. The interest rates of many platforms plus various service fees can reach an annual interest rate of 80 or 90, which is an illegal operation. Basically, if the platform still wants to get its principal back, it has a lot of room for maneuver. You can negotiate with the bank for credit card repayment in installments. As long as you have a strong willingness to repay, the bank will also help you find a way.

3. If you are overdue and the other party reaches the collection stage, you should also keep the mobile phone signal open. It is not recommended to deliberately turn off the phone or not answer the phone. You should respond proactively and explain your financial situation. Indifferent handling can easily lead to "intentional overdue". If this continues, you may be sued.

4. Work hard to make money. You can also borrow some money from family members, repay the loan first, and then slowly pay back the money to your family. Although they are all liabilities, there will be no stain on their credit, and the psychological pressure they endure is also different.

The rich take the opportunity to buy gold and silver at low prices, the poor are getting poorer and the rich are getting richer. The law says that this is capital operation