Since ancient times, as long as you are not blackmailed or cheated, it is only natural to pay back your debts, and you dare to use the large amount of money in your credit card. Presumably, you are in trouble and need money badly to solve it. Now that the urgent need has been solved, you need to make a good plan. Next, how to fill the hole owed to the bank?
People have to stand up straight to be human all their lives. No matter how down and out you are at this time, you can't lose your ambition. Stick to your teeth and fight hard. There is no hurdle that you can't cross, and you are afraid of being intimidated by difficulties!
On the other hand, if you are a lazy advocate, who overdraws your credit card by 2, yuan, and you are unable to make money, and you are an idle person, then even if you are punished by law, you deserve it and can't get everyone's sympathy!
There is no wonder in the world, and everyone has it. I don't know enough about you, but I can't figure out why you spend money between words, so I can only give you an analysis at random. But judging from the question you asked, you are not a calm person, because when you spent 2 thousand in your credit card, you didn't even think about how to pay it off in the future.
In a word, even if you repay the loan by installments, it is still a big expense. You need a stable job first to have a stable income and make a fixed monthly repayment. Furthermore, seek the help of relatives and friends, provided that you have a good relationship and deserve the trust of relatives and friends. If you can borrow some, borrow some. Parents are also your strongest arms. Although I don't approve of your asking for money from your parents, I would like to kindly remind you.
finally, I would like to advise you that at the age of 28, you are at the age of indomitable spirit. No matter how bumpy the road ahead is and how difficult it is, you must carry it up. You can't die and have no dignity! Even if you sell iron in a saucepan and beg in the street, you must pay off the debts of others and go on strongly!
a few simple questions to help you sort it out.
1. How do you owe your debts? Failed to start a business? Or unrestrained consumption?
2. If you have to repay the loan by yourself, what assets do you have that can be realized, such as stocks, funds, or items that can be sold second-hand?
3. What is your current economic situation? Do you have a house and a car How much is the monthly salary? You don't have to answer these questions, figure it out for yourself. If you have a house and a car, do you need to repay the loan? Houses and cars can actually become tools for you to make money, such as renting out your own house and renting a cheaper one yourself. (This is just to provide an idea, which may not be suitable for you. You need to make a judgment according to your own situation.)
4. What is your monthly expenditure? Is there any place to reduce your expenditure? How much money can you leave after deducting your monthly income? If you use this money to pay off your credit card, how long will it take to pay it off?
5. Can your family provide you with some help? If so, I suggest you ask for help directly from your family, but remember that you borrowed this money from your family and repay it regularly every month. The purpose is not to let your family help you, but to reduce the interest loss and the debt pressure on yourself. Let you have more energy to make yourself more valuable, instead of being dragged down by debt.
6. Re-examine the whole process of owing credit cards, adjust your expenditure structure, and open up new channels for making money. Open source and reduce expenditure.
I have a credit card debt of 2,, and I am 28 years old. How should I repay it?
1. First, stop using the credit card, divide the bill into stages and see how much you need to spend each month. You can't use the credit card until you pay off the bill.
2. Ask your parents and friends if they have any money, borrow a sum first, and pay off the part that is urgent, and then pay it back slowly.
3. If parents, relatives and friends can't borrow it, see if there are any assets that can be realized, such as houses, cars, stocks, funds, etc. If there are, realize it first and pay off the urgent debts.
4. If you don't have any, then pay back the money by stages, honestly, and then count your salary:
If your monthly salary reaches 1,, you only spend 1 yuan every month and save 9, yuan, then one year is 18,, and you can pay it off in two years;
If the monthly salary is only 5, yuan, and you only spend 1 yuan every month, if you save 4, yuan, it will be 48, yuan a year, and you can pay it off in more than four years.
But if the monthly salary is not high, you need to find a part-time job. If you raise your income, you can still pay it off as long as you want.
staging is an option
I agree with the "red-hot cloud". This money must be paid back. Credit cards are not just a joke. They are serious and legal ... There is a set of repayment procedures. Before using credit, it is introduced in detail and agreed by both parties.
the basic situation is there! Personally, I suggest you make a repayment plan according to your actual situation ... 28 years old, just in the prime of life! Have confidence in yourself, do your job well, and at the same time, do a part-time job ... like learning by courier ...
Pay back on time!
I am still in debt of more than 6, yuan; 36 years old.
I borrow money to speculate in foreign exchange, and the interest principal is repaid every month. In the end, more and more. By February of this year, it was really unbearable, and the debt crisis broke out in an all-round way!
Faced with such a big debt, one can't bear it, so from my own situation, I will give you the following suggestions:
1. First, confess everything to my family, and never hide anything, and find out why I owe such a huge debt. Plug the gap in time, and it is strictly forbidden to borrow money to rob Peter to pay Paul, which will only increase.
2. Secondly, explain your current situation with the borrowing institution and negotiate personalized repayment; In the case of having a job and a fixed salary every month, negotiate to the extent that you can afford it;
3. After the negotiation is completed, calm down, put aside all negative emotional influences, and work hard to make money.
Pay back your debts and get through it slowly. As long as you get through it, there will still be plenty of opportunities to turn over in the future.
1. those who have jobs continue to work. 2. Do a part-time job in your spare time. 3. Plan the monthly funds reasonably. 4. Be down-to-earth and believe that you will go ashore soon.
negotiate with the bank about how to pay it back. Don't think about it if you really have no money. They will definitely sue you. You should think about how to make money. This is the main problem.
Keep the money you owe in mind. Don't always think that it will waste your time. I am four years younger than you. I owe 5, yuan. Come on.
Negotiate with the bank to stop paying the account and repay it in installments, and the pressure will be much less.