If online loans and credit cards cannot be repaid on time, I think you should proactively contact the lending institution or bank to explain the situation and apply for deferred repayment or installment repayment.

Keep calm and don’t run away or lose contact. When formulating a repayment plan, the time and amount should be reasonably arranged to ensure that repayments can be made on time. If you need a debt optimization solution, consider seeking professional help.