1. We should try our best to reduce living requirements and unnecessary consumption expenditure, and at the same time actively find ways to increase economic income.

2. You can borrow money directly from relatives or friends, pay off the bank debt at one time, and then pay back the money to your family or friends slowly, at least at no interest or lower than the bank interest.

If you have several cards, you should give priority to small cards and try to pay off the debts of small cards with big cards, which can save interest.

You can get a bank loan in other ways, such as mortgage your house or car. This annual interest rate is generally only about 8%, which is much more cost-effective than the annual interest rate of credit card debt of 65,438+08% plus a bunch of other expenses.

Extended data:

1, "Kanu" often needs to rob Peter to pay Paul because of irrational consumption, and it is easy to fall into the vicious circle of "supporting debts with debts", which eventually leads to the break of the capital chain and cannot be repaid. If the amount is large, it constitutes a crime.

2. The reasons for the formation of the card slave

(1) The credit card is so cool that it becomes a card slave of "enjoying life in advance" and "spending tomorrow's money to realize today's dream" in a blink of an eye. Under all kinds of attractive slogans, it is becoming a common behavior for many young people to borrow money to buy a car, a house, home appliances, clothes and credit card overdraft. According to a survey on the consumption view of young people in China, 57% of them said that they would "use tomorrow's money to do today's things."

(2) Raise debts with debts and accumulate them into card slaves. Some people say that the revolving interest of credit cards is actually a timely help, and it is getting bigger and bigger. Excessive use of credit cards is easy to fall into the vicious circle of "supporting debts with debts" and let yourself fall into the strange circle of "card slaves". Behind the increasing number of "card slaves", the hidden dangers of credit cards are gradually emerging.

3. The basic function of credit card is consumption, which is an auxiliary payment and settlement tool. The credit line belonging to the debt category shall not be regarded as income. Credit card consumption is usually encouraged, but credit card overdraft is not encouraged. Because compared with credit card consumption, credit card overdraft withdrawal has no interest-free period, so the cost is much higher.

Baidu Encyclopedia-Kanu