1. Contact the bank or borrowing institution: communicate with relevant institutions in time and inform you of your financial situation and repayment difficulties. Try to negotiate to adjust the repayment plan or seek deferred payment.

2. Make a repayment plan: evaluate your financial situation and make a reasonable repayment plan. Ensure that available funds are used to repay high-interest debts in priority.

3. Seek help: If the situation is serious, you can consult non-profit organizations, consumer protection organizations or financial consulting institutions for professional advice and assistance.

4. Avoid increasing debt: Try to avoid using other high-cost credit instruments to repay the current debt, so as not to fall into a deeper debt cycle.

conclusion: in the face of overdue credit card loans, it is the key to contact the borrowing institution as soon as possible and actively seek solutions. Make an effective repayment plan to avoid further deterioration of the financial situation, and seek professional help when necessary to help you through this difficult period. Please note that this answer is for reference only. Please make a decision according to your specific situation and relevant laws and regulations of China.