You should feel lucky to give up completely before you get into trouble.

You can ask your family for help to solve your debt problem. I believe that if you seriously apologize, your family will help you.

If the credit card is really not used, there are many ways, such as minimum repayment amount and installment payment. If you can't do it and don't want to bear high interest, you can use the popular intelligent software to solve it. See Resources for details.

References:

Sina.com