What should I do if I owe a lot on my credit card and am almost at the end of my rope? As long as you are not forced to go ashore, there is always a way to resolve the debt you owe on your credit card. Once you are forced to go ashore, there is no way out. Many people see that online loans can be forced to go online, and they think that credit cards can do the same. However, in fact, the nature of debts owed to credit cards and online loans are different. Although they all owe money, as long as the online loan can withstand the pressure of collection, it will be fine if the debt is not repaid for several months. The collection sees that the debt cannot be collected, and they are not willing to waste more energy on collection, so this is the case. If you can be forced to go ashore, you don't have to pay back the debt, but this won't work for credit card debt. Credit card debt will still be escalated into a criminal case. If the cardholder wants to be forced to go to the bank and does not answer the bank's phone calls, and then changes his phone number, moves, etc. and loses contact, and the bank cannot contact him, he will go to the public security bureau for credit card fraud and report it to the police. After being arrested and brought to justice, he will be returned to the court for sentencing, and he will most likely be sentenced and punished. Therefore, no matter how desperate you are that your credit card cannot be paid, don’t force it to go ashore. It is best to confess to your family and use the efforts of the whole family to repay and tide over the difficulties, or borrow money from relatives and friends to pay off the credit card debt first, and then give it to them. Repayment. If there is really nothing you can do, try to negotiate with the bank for repayment after it is overdue. The above is the relevant introduction to "What should I do if I owe a lot of credit cards and I am almost at the end of my rope?" I hope it will be helpful to everyone.