An ordinary person owes 0.2 million/200 thousand, so he should work hard to make money. Credit card debt is as high as 200,000 yuan. If there is no job and no income, it is impossible to pay off the debt. Therefore, you must find one or two jobs and increase your income to pay off your debts. If you don't want to go to work, you can also do some small businesses, such as setting up stalls, selling barbecues, running Didi, delivering takeout, and doing self-media work.

Mortgage something of value. Gold and silver jewelry or cars bought in the past are all valuables. Mortgage them out for cash, and then use the money to pay off the credit card debt. In this way, there will be no penalty interest for defaulting on credit card debts, and it will not lead to credit damage.

Borrow money from relatives and friends. You can't owe bank debts when you have no money, otherwise the penalty interest and credit stain will affect your future. You can try to borrow money from relatives and friends, pay off your credit card, and then work hard to pay back the money from relatives and friends.