First of all, we need to take proactive solutions when facing credit card debt and overdue problems. For the situation where you owe RMB 80,000 and are overdue for two years, here are some suggestions:

1. Timely communication: Contact the credit card issuer to explain your financial difficulties and express your desire to repay. Be sincere and sincere when communicating to strive for opportunities for cooperation.

2. Debt planning: Develop a reasonable repayment plan, and reasonably arrange the amount and time to repay the debt based on your own repayment ability and daily expenses. You can try to reduce the burden by negotiating with the bank to extend the repayment period, reduce the monthly repayment amount, etc.

3. Seek help: You can seek advice from a debt counseling agency or a financial advisor. They will provide personalized help and advice based on your specific situation to help you develop a more appropriate repayment strategy.

For the problem of a credit card that is eight years overdue and still owes 20,000 yuan, the following are some suggestions:

1. Communication and negotiation: Contact the credit card issuer as soon as possible and explain your Willingness to repay and actively seek a negotiated solution with the bank. You can try to solve the problem of arrears through one-time repayment or installment repayment.

2. Repayment plan: Develop a reasonable repayment plan based on your own financial situation and actual repayment ability. You can consider reducing the burden by paying in installments or extending the repayment period, but be careful to abide by the agreement with the bank.

3. Avoid being overdue again: Develop good fund management and consumption plans to ensure compliance with the repayment plan and avoid being overdue again. If you still have difficulties, you should contact the bank promptly to explain the situation and seek a solution as soon as possible.

To sum up, when facing credit card debt and long-term overdue problems, it is important to communicate in a timely manner, formulate a reasonable repayment plan and seek help. Good debt management and positive spending habits are also important factors in avoiding overdue payments.

Extended information:

Overdue credit cards will have a negative impact on personal credit records and credit scores, limiting an individual's ability to apply for loans, purchase houses, etc. Therefore, timely repayment of credit card debt is an important step in maintaining good personal credit. In addition, according to relevant Chinese laws and regulations, creditors have the right to pursue repayment from the debtor through legal means after the debt exceeds a certain range. Therefore, to solve the problem of credit card debt, you need to consult professionals based on the actual situation and comply with relevant laws and regulations.