First of all, if the credit card is overdue, it depends on how long it has been overdue. If time is short, you can find a friend to pour money and pay the minimum repayment first. If it takes a long time, it will definitely affect your personal credit and your future loans.
If it is overdue for more than three months, you should immediately negotiate with the bank for personalized repayment, that is, stop the liquidated damages and interest first, otherwise this part of the expenses will be large, and then repay the principal in installments, which can be 12 to 60 installments, so that the repayment pressure will be less.
Then work hard. First find a stable job and guarantee the basic living expenses, and then do some other part-time jobs to increase your income, such as delivery, temporary work, online part-time job and so on. As long as you work hard, I think more than 654.38+10,000 yuan can be paid off in a short time.
The main thing is to adjust your mentality first and don't care too much about face. Since this is the case, we should try our best to make money in return, and don't care too much about the indifference of others. Life is not so smooth sailing, there will always be some twists and turns. After this hurdle, there will be more wonderful life waiting for you. Come on! ! !
Have you considered drug testing?
Do you have a normal job? How long has it expired? If you have a job that is overdue for more than six months, you can negotiate with the bank to re-stage, free of liquidated damages and interest. The longest is 60 issues. You should be able to afford it every month according to your income ability. Don't worry, it's okay!
My debt is much overdue than yours, and I was in a panic at first. I'm overwhelmed by phone messages every day, and I'm tricked into putting some in case I'm urged, but next month they're going to change people and overturn everything you've done. Since that incident, I stopped listening to them and began to change my mobile phone number and credit card. In order to avoid completely losing contact, I contacted customer service at a fixed time at first, and then put a dozen of them every month until the repayment date.
It's nine months overdue now, and the pressure is quite great. I am most afraid of being sued, but to be honest, there is nothing in my name, and I can't handle the prosecution. It's no use worrying, but it's just a bomb. You don't know when it will break out, and you're not really unintentional, so you're still a little fidgety and a little energetic, and I've had a special day today and I won't be able to get out tomorrow. It's hard!
Hundreds of thousands, personally, not too much. If I were here, I would probably wake up laughing, so don't think too much, find a stable job, ensure my life first, and then negotiate a little. Don't worry, it's no use worrying. Of course, it would be better if my family can help me solve it once and for all. The debt of gratitude will be very stressful, but it can be avoided and given time, which is also good. Come on!
As long as you are not afraid of hardship, have patience and perseverance, I suggest you consider sending takeout. Every penny you earn is hard-earned money. The monthly income is also very objective.
Secondly, I suggest you learn to manage money. Smart people try to find out how to make money generate more money. You can't save money on a dead salary every month. Learn how to manage money and increase your income as soon as possible. Try to go ashore one day earlier!
Me too. I choose the formal loan applied by the four major banks, rob Peter to pay Paul, pay interest every month, scrimp and save, and slowly pay back [tears] [tears]
Work hard and work overtime.
By buying lottery tickets
Credit card is a double-edged sword. If used well, it can help people save money. If it is not used well, it is easy to get people into debt. In real life, many people owe more than 654.38+million yuan because of credit card overdraft, and their monthly income is only 5,000 yuan at most. In this case, it is difficult to go ashore, but it is ok as long as you work hard, provided that you can't force it and don't escape and lose contact. The consequences are very serious.
How to land a credit card debt of 654.38+million is discussed here from two aspects:
1, how to solve the debt problem
Money owed to the credit card is money owed to the bank, and this must be paid back. If you can't pay back, I suggest telling your family and seeing if you can get them to help you pay back. If family members are weak, then look at relatives and friends with strong financial ability and try to borrow money from them. However, you must tell them the truth. When borrowing money, you should agree on a repayment period, or even agree on a loan interest rate and interest-bearing repayment. This will make it easier to gain trust.
If both fail, you can only rely on the bank to see if you can negotiate repayment with the bank. It is best to communicate with the relevant banks before the deadline to explain their current financial situation, and then negotiate a reasonable repayment plan if the banks agree. It is very important to show your attitude during the negotiation.
2. Open source and reduce expenditure to make money.
Whether looking for someone to borrow money or negotiating repayment with the bank, they will eventually pay off their debts with their own money, but there is a relative buffer period, which will not affect the credit investigation. Of course, for those who are not very strong in economic ability, the first thing to do is to increase revenue and reduce expenditure, and don't spend unnecessary money except daily expenses.
The reason why credit cards owe so much money may be that they spend too much. If you want to save yourself, you must first control your consumption habits, develop good consumption habits, reduce all unnecessary expenses, and solve the problem from the source.
Of course, in order to pay off the bank credit card debt as soon as possible, it is also important to find ways to make money. It's also a good idea to make extra money in your spare time. Like now, there are many small projects on the internet that can be done part-time. For example, the verification merchants of a certain platform earn extra money, and one bill is about 15-50 yuan. Wechat circle of friends can also get in touch, and someone can help walk the dog for an hour in 50 yuan.
To sum up, if you want to get out of the quagmire of credit cards as soon as possible, you must first find ways to solve the debt problem as soon as possible, and then you can use your spare time to do part-time jobs after going to work normally. Those with strong writing skills can try to make money by writing, those who can write codes can take on some small businesses, and those who can't do it can do some hourly work. More than ten dollars an hour, less money, but every little makes a mickle.
Now the store is closed, and the credit card is overdue by more than 100 thousand. Many friends will encounter such problems.
Store closed, credit card overdue, I don't know how to go in the future. Many people are overwhelmed by such confusion, and how to go in the future is a problem that you are very worried about.
The first problem we faced was that the store closed down. Disappointment with the world is not only a failure, but also a huge debt to oneself. Closing the store is not an easy task.
Failure is the mother of success. You should find out the reason why you failed to open a shop. Spend money to buy a lesson, so that you won't make the same mistake in business in the future. Be prepared to start a new business and find out your own shortcomings. If you can start a new business, that is the best.
If through introspection, I think that I am not the material to open a shop at all, then I will decisively leave the business of opening a shop and re-choose a business that suits me to start a business and make money.
In the face of the overdue credit card of 6.5438 million, the first thing you should feel is the pressure.
Stress belongs to stress, but we can't escape it. We must turn pressure into motivation. To make money, you should take the initiative to pay off your credit card. Overdue credit cards are very bad for you.
The overdue credit card will not only affect your credit information, but also affect your future development. So in any case, we must pay off the credit card as the main task, and we must not delay the collection from the bank. Actively try to get in touch with the bank and negotiate some repayment plans.
What you are facing now is to make money on your own initiative, and don't be overwhelmed by the current difficulties and pressures.
Take the initiative to start a business to make money, don't give up, and let yourself have a better development world in the future. Let yourself work hard from now on and make money from the pain as soon as possible.