Nowadays, high-tech people can borrow money with just one ID card, but it is easy to borrow money and difficult to pay back. Because it is easy for young people to borrow money, they have developed a kind of advanced consumption, which leads to nine out of ten people. It’s a shame, let alone expecting young people to save money. For someone like you who already owes a total of 300,000 yuan on credit cards to 9 banks, and now it has exceeded your repayment ability, you need to find a solution now. You can deal with it according to the following methods.

The first method: repay in installments

Similar to the credit cards you owe to 9 banks now, you can repay the 300,000 yuan in installments to the 9 banks. Reduce your repayment pressure, and the longer the installment period, the better. This will give you enough time to pay off the debt. This method is one of the most commonly used methods by most people.

Second method: Seek help from family members

After all, you now owe 300,000 yuan. This is not a small amount of money. 300,000 yuan is relatively difficult for ordinary people to pay back. The pressure to pay off this debt is very high. So I suggest you seek help from your family, call your parents, brothers and sisters to collect the money and pay off the 300,000 credit card in the bank first, and then you can slowly return the money to your family. This is also a method. .

Third method: Selling assets

Since you are no longer able to repay and your family cannot help, you can only solve the problem by selling assets. It's a way to go when there's no other way out. For example, you can sell your car, house, land and other assets to collect 300,000 yuan, and write off all the money from 9 credit cards.

The fourth method: directly increase your income and improve your repayment ability

You now owe 300,000 yuan on credit cards from 9 banks, and you want to repay them as soon as possible to directly improve yourself income, such as changing jobs to high-paying jobs. Or work two jobs and work part-time in the other one. This will directly increase your income. When your income is high, your repayment ability will be directly improved.

The fifth method: Use your credit card to maintain your credit card

Using your credit card to maintain your credit card is also a way for many people to delay repayment, and it is also a way to reduce the pressure of repayment. Way. Stagger the repayment dates of your nine credit cards. When this credit card is due to be repaid, you can cash out the money from another credit card and pay it off. In this way, you can cash out the money from this credit card and pay back the money from the other credit card. Just keep going in circles like this, delaying time to slowly repay the loan.

In your current situation, you owe 300,000 yuan on credit cards from 9 banks, which is completely beyond your repayment ability; I personally recommend that you deal with it according to the above five methods, no matter which method you deal with now. , they all have to be repaid, even if they are selling things off.

You can’t rely on the bank’s money. No matter where you go, you will have to repay this debt sooner or later. Even if the bank doesn’t urge you or sue you, you still have to think about your future life. For the sake of your own personal credit score, never refuse to pay back the debt. Doing so will harm others and yourself, and the final price you pay will be higher. In short, you must pay back the money no matter what you think of.