Credit card arrears of 3500 can be applied in installments, and only112 or 1/24 is required every month. Different banks will charge different amounts of installment fees and interest. For example, China Everbright Bank will deduct 7% of the handling fee (3,500 yuan ×7%=245 yuan) in one installment 12, but there is no interest. You only need to pay back 3500 yuan112 every month, which is around 300 yuan, so the money you need to pay back your credit card by the end of the year is 245 yuan +300 yuan/month ×4 months ≈ 1500 yuan.

12800- 1500 yuan > 10000 yuan, which can meet your requirements. Of course, there is no calculation of your living expenses.