1. Understand the reasons for black households: Many people will be told that they are black households with insufficient comprehensive scores when applying for online loans. If it is not because of the overdue black households, you can find other reasons, such as the high frequency of online loan applications. You can check your credit status through tools such as "Xiaoqi Credit Information", and then understand what makes you a black household, so as to improve online loan big data.

2. Debt negotiation: communicate with credit card and online lending institutions, explain their economic difficulties, and propose a reasonable repayment plan. Some institutions will consider extending the repayment period, reducing interest and reducing late fees to help borrowers.

3. Seek professional help: If you can't reach a debt negotiation with the institution, you can consult relevant financial professional institutions or law firms and seek their help. They can help assess your financial situation and provide reasonable solutions.

4. Reduce daily consumption and expenses: reduce daily expenses as effectively as possible, save expenses, and rationally plan and use funds. You can make a detailed budget plan, give priority to repaying high-interest debts, and gradually pay off the arrears.

5. Seek other ways to borrow money: If you have friends or relatives who can help you, you can borrow money from them to solve your current financial difficulties. However, in the process of lending, it is necessary to clearly stipulate the details such as repayment plan and interest to avoid causing more problems.

6. Actively improve personal credit: through timely repayment, avoid overdue and gradually improve personal credit records. In the future loan application, a good credit record will help to obtain more favorable loan conditions.

In the face of financial difficulties, we need to maintain an optimistic attitude, seek effective solutions and actively improve our personal financial situation.