1, try to repay: If the credit card owes 400,000 yuan, you must repay it as much as possible, and you can repay it one part at a time, such as installment payment or minimum repayment amount. As long as the cardholder keeps paying back and has a good attitude, the bank will not be too difficult for him.

2. Negotiate with the bank to solve the problem: the credit card owes 400,000 yuan. After all, the amount owed is huge, so we should actively negotiate with the bank to determine the solution. You can negotiate with the bank to see if you can repay the loan in installments every month and extend the repayment period.

3. Find someone to borrow money: You can find people you know, such as relatives and friends, and borrow as much money as possible from them. After all, the consequences of overdue credit cards are very serious, and it is best to pay off the arrears as soon as possible. The so-called credit card late payment fee refers to the fee that the cardholder should pay to the issuing bank in accordance with the regulations when the repayment date is overdue or the repayment amount is lower than the minimum repayment amount.