The most urgent problem is to solve your credit card arrears first, so as not to affect the credit report. The stain on the credit report will have an impact on your future mortgage and car loan.
If you can't pay the full amount, you should first divide it into stages and try to divide the growth cycle. Although the handling fee is high, the monthly repayment amount can be guaranteed to be low, which can be paid back slowly through work income.
When communicating with my parents, I promised that I would give up the habit of swiping credit cards and ensure that I could make ends meet. After paying off the debt, I will sell all my credit cards. Don't quarrel, just like when you were a child, your parents will make up for it when they see your attitude.
Credit card is essentially a financial tool. If you can't use it to generate income, don't apply for credit card or debt consumption.