First of all, if your credit card or online loan is overdue and currently unable to repay it, and you are faced with receiving debt collection calls every day, here are some suggestions:

First , stay calm and communicate with your creditors. Contact credit card and online lenders as soon as possible to explain your financial difficulties and ask them to temporarily stop collection calls. Tactfully express your current financial situation and offer to negotiate a reasonable repayment plan with them.

Second, avoid arguing with debt collectors. Be polite and respectful, and listen patiently to the other person's suggestions and requests. Provide as clear financial information as possible so they understand your current ability to repay the loan.

Third, try to seek professional help. You can seek advice from professionals such as a lawyer or a credit counseling agency. They can provide solutions based on your specific situation and help you communicate and negotiate effectively with your creditors.

In short, when faced with overdue credit card and online loan issues, it is important to remain calm and communicate. Actively cooperate with credit card and online lending institutions to negotiate a reasonable repayment plan, and seek professional help as soon as possible to find a way to solve the problem.

Extended information:

- Before communicating with creditors, prepare relevant financial and debt information to be able to provide a clear presentation of the situation.

- If you really don’t have the ability to repay the loan, you can consider asking friends or family for help in advance, or find other borrowing methods to solve short-term financial difficulties.

- When negotiating a repayment plan with your creditors, make sure the planned repayment amount and time are affordable to avoid falling into repayment difficulties again.

- When consulting professionals, be sure to choose a reputable and experienced agency or lawyer to ensure you receive appropriate solutions and guidance.

The above are suggestions for situations where overdue credit cards and online loans lead to excessive debt collection calls. I hope it will be helpful to you.