First of all, you can negotiate with the bank to handle the issue of ***400,000 in debt through the following steps:

1. Contact the bank: The first step is to contact the issuer of each credit card Contact the bank, explain your predicament and express the reasons for the difficulty in repayment.

2. Use professional institutions: Seek help from professional institutions, such as credit consulting companies or law firms. They can negotiate with the bank on your behalf and provide professional advice.

3. Propose a repayment plan: Negotiate with the bank to develop a feasible repayment plan, and propose a plan to gradually repay the debt based on your own economic situation.

4. Lower interest rates and fees: Ask your bank to lower your credit card’s interest rates and other related fees to reduce your repayment burden.

5. Defer repayment: Explain your difficult situation to the bank and request a deferment of repayment to give you more time to raise funds.

6. Make sure there is a written record: All negotiations with the bank should be recorded in writing for future reference and to resolve any possible disputes.

Summary: Faced with the dilemma of *** owing 400,000 yuan, you can actively communicate and negotiate with the bank, propose a repayment plan, reduce interest rates and fees, and request for an extension of repayment. solution. At the same time, more support and advice can be provided with the help of professional organizations.

Extended information: During the negotiation process with the bank, be patient and honest, and try to provide relevant supporting materials to support your difficult situation. It is also very important to understand your rights and responsibilities so that you can better negotiate with the bank and find a solution. In addition, according to relevant Chinese laws and regulations, banks are usually willing to negotiate with customers to avoid the occurrence of bad debts.