1. Contact the bank: Step 1, contact the issuing bank of each credit card, explain your predicament and express the reasons for the difficulty in repayment.

2. Use professional organizations: Seek the help of professional organizations, such as credit consulting companies or law firms, who can negotiate with banks on your behalf and provide professional advice.

3. Propose a repayment plan: negotiate with the bank to formulate a feasible repayment plan and propose a gradual repayment plan according to your own economic situation.

4. Reduce interest rates and fees: Ask banks to reduce interest rates and other related fees of credit cards to reduce your repayment burden.

5. Deferred repayment: explain your difficulties to the bank, ask for deferred repayment, and give you more time to raise funds.

6. Ensure written records: All negotiations with banks should be recorded in writing for future reference and settlement of any possible disputes.

Summary: Facing the total debt of 400,000 yuan, we can actively communicate and negotiate with banks, propose repayment plans, reduce interest rates and fees, and ask for deferred repayment. At the same time, we can provide more support and suggestions with the help of professional institutions.

Extended data:

In the process of negotiating with the bank, we should be patient and honest, and try our best to provide relevant supporting materials to support our difficult situation. It is also important to know your rights and responsibilities, so as to better negotiate with banks and seek solutions. In addition, according to the relevant laws and regulations of our country, banks are usually willing to negotiate with customers to avoid bad debts.