1. Understand the debt situation deeply: check the loan contract and credit card bill, and confirm the overdue amount and interest rate.
2. Contact creditors: communicate with creditors (online lending platforms or banks) as soon as possible, explain their plight, and seek negotiations on repayment plans. Many creditors are willing to cooperate with borrowers to make flexible installment plans.
3. make repayment plan: make an affordable repayment plan according to your own financial situation. Make sure to pay at least the minimum repayment amount every month to avoid further overdue fees and fines.
4. With the help of professional organizations: debt consulting companies or consumer trust organizations can provide help, negotiate more favorable repayment arrangements and provide you with professional advice.
5. Seek opportunities to increase income: Consider increasing income through part-time, sideline or reducing unnecessary expenses, so as to better cope with the debt problem.
6. Monitoring personal credit records: Monitor personal credit reports in time to ensure that there is no wrong information, and pay attention to the changes of credit scores.
conclusion: in the face of overdue loans and credit cards, it is important to actively communicate with creditors and make a reasonable and feasible repayment plan. At the same time, seeking help from professional institutions and opportunities to increase income can better cope with the debt dilemma.
Extended information: When dealing with overdue debts, we should understand relevant laws and regulations, such as the Contract Law of the People's Republic of China and the Law of the People's Republic of China on the Protection of Consumer Rights and Interests. In addition, overdue online loans and credit cards may lead to personal credit damage and affect future borrowing and credit activities. Therefore, it is very important to properly handle overdue debts in time.