1. Make a repayment plan: list all debts and make a reasonable repayment plan. Use part of disposable income to pay off debts and ensure the minimum repayment amount is paid on time.

2. Cut expenses: check your expenses and find out the opportunities to save. Cut unnecessary expenses, such as entertainment expenses, shopping and catering consumption, so that more funds can be used to repay debts.

3. Increase income sources: Look for additional opportunities to make money, such as part-time or freelance projects. Use your skills and interests to find ways to increase your income.

4. Negotiation with creditors: If all debts cannot be repaid on time, please contact creditors as soon as possible to explain the situation. They may be willing to reach an agreement with you to reschedule the repayment plan.

5. Seek professional help: If you feel that you can't solve the problem by yourself, you can consult a professional credit consultant or seek legal advice. They can provide personalized advice and guidance.

Conclusion: It takes some time and patience to deal with the debt problem. Making repayment plans, cutting expenses, increasing income sources and negotiating with creditors are all key steps to solve the problem. Seeking professional help can provide more specific and personalized advice. It is important to keep a positive attitude and take actions step by step to get rid of the debt dilemma step by step.

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According to Chinese laws, credit cards and online loans are contractual debts. Failure to repay on time may lead to interest accumulation, overdue expenses and damage to credit records. Therefore, it is very important to deal with the debt problem in time to avoid further financial pressure and consequences. When dealing with debts, it is wise to understand relevant laws and regulations and consult professionals.