When applying for a credit card, the bank will comprehensively evaluate all aspects of the user, and then decide whether to approve the card and how much. Among them, the debt ratio is a very important measure, so some users ask, what are the ways to reduce debt by credit cards? Then let's talk about this problem briefly. 1. What are the ways to reduce debt by credit card? 1. Stop lending: For banks, in fact, excessive online lending or private lending by users is a taboo. The most direct performance is that users are short of funds for a period of time and borrow money everywhere. At this time, if they grant him a card, will there be a situation where he can't receive the money? Therefore, if the user intends to apply for a credit card, it is best to stop lending. 2. Prepayment: "0 bill" still has a certain effect. Everyone pays off the credit card bill in advance before the bill date, so that the current bill amount is zero, which can reduce the debt. 3. Appropriate installment: In the old version of the credit report, if the user handles the cash installment, the liabilities reflected in the credit report are only the principal and handling fee of each installment, but the new version of the credit report is said to be no longer like this, and will all show the loan amount. Therefore, we can only try to avoid debts by stages, and there is little hope. The above is about "What are the ways to reduce debts with credit cards?" The answer, I hope to help everyone. Generally speaking, users with high debts can stop borrowing, and don't make things worse. They can reduce their debts by repaying in advance or settling some small loans in appropriate stages. Only with low debt and good credit, the chances of successful card issuance will be higher.