The credit card debt is 100,000, which is not a small amount. If we want to save ourselves and go ashore without certain financial strength, we will definitely not be able to do it, so what we have to do is to try our best to raise money to repay. If it doesn’t work, we will see if we can You cannot negotiate repayment with the bank, or reduce the monthly repayment amount as much as possible, etc. For specific methods, please refer to the following method.

1. Frankly ask for help from your family

This is easier said than done. If your family understands, they may help you raise money to repay the loan. If your family does not understand or has no If I can't help you repay the loan, and I won't help you borrow money to repay the loan, then you have to find other ways to save yourself.

2. Negotiate repayment with the bank

If you owe 100,000 on a credit card and cannot repay it in full, or you have already applied for installments but still cannot pay, then see if you can negotiate with the bank. The bank negotiates repayment, extends the loan period, or suspends interest rates and hangs up the loan, etc., and then slowly repays the loan. You must be sincere in advance and let the bank see your sincerity in repayment. Once the bank is impressed, it will be easier to handle.

3. Increase income and reduce expenditure

Increase income means improving your ability to make money. In addition to going to work, you can also do some part-time jobs to make as much money as possible. And while making money, you must also control consumption, that is, reduce expenditure. Not only must you improve your self-control, but you must also change your consumption habits and reduce the number of credit card swipes.

4. Develop a good habit of saving money

In addition to repaying the loan, you also need to save money. After all, even if you owe 100,000 yuan, life must continue, but if you put the money They have all taken out the money to repay, but they have no habit of saving money. Even if they pay off the debt and don't save money for deposits, they may go to swipe their cards again.