1. Take the initiative to negotiate with the bank and re-sign the repayment agreement.

2. Ask your relatives and friends to borrow money to pay off your credit card, and pay it back when you have money.

3. Choose installment repayment or minimum repayment. Installment or minimum repayment can reduce the pressure of repayment. As long as you repay on time, it will not have an impact on your personal credit. However, banks will charge certain handling fees for installment or minimum repayment, and interest is generally calculated at 0 and 05 daily.

If you want to check the online loan data report, you can search: Xiaoqixincha, you can view the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, Arbitration case information, defaulter information and other data. And the data queried is very accurate and comprehensive.

Extended information:

What should I do if I have too much debt and cannot pay it back?

Debt, confidence is the most important. When a borrower has too much debt, don't be confused. Have confidence in yourself. Confidence is the most important thing.

Never let debts continue to circulate, and don’t use loans to support loans. There will never be an end.

First of all, you must classify your debts. Whether the debts belong to financial institutions, banks, or small loan platforms, these must be sorted out, and then see which ones are listed on the credit bureau and which ones are not. Which ones are trustworthy, which ones have relatively high interest rates, and which ones have relatively low interest rates? If the platform is in a hurry, you can pay it back in cash, and if you are not in a hurry, you can delay it for a while and then pay it back when you have the ability.

You must give up the opportunity of fantasy, find a sales job that can earn a very high income through your own efforts, sacrifice all your personal time to increase your income, and take part in multiple side jobs.

Finally, you can also negotiate with the loan platform. Debt negotiation itself is a kind of negotiation that requires repeated back and forth communication. Sometimes it is normal to have dozens or even dozens of phone calls. Many friends do not have the corresponding skills and abilities nor the patience, so it is difficult to negotiate a favorable result. You must communicate patiently and record the entire process.

The regulations of each loan platform are different. You can only strive for the maximum benefit for yourself to the maximum extent after overdue. Some platforms can allow long installment periods, and some platforms can provide installment time periods. In fact, these are all There are traces to follow.