1. In this case, the first thing is to make the three cards into the longest installment, so that the pressure of monthly repayment is less;

2. Your monthly income is not enough for your repayment, but you can borrow it from Alipay or WeChat micro-loan first. Although this can't solve the problem, it can delay the current trouble.

3. Also, you can check whether there are any small loans available in your three cards, and if there are, you can lend them to repay these debts. For example, you can pay back all the loans of CCB and China Merchants Bank, leaving only those of Bank of Communications, and then the small loans can be divided into 36 installments, so that your monthly repayment pressure will be less.

4. The rest of the time is to find a part-time job, such as driving, take-out and so on.