First of all, in the case that many credit cards are overdue for 400,000 yuan, the key to landing is to actively deal with and solve the debt problem.

Secondly, here are some details:

1. Analyze financial status: carefully evaluate your financial status, including income, expenditure and assets and liabilities. Know your repayment ability and make a reasonable repayment plan.

2. Debt negotiation: contact the credit card issuing bank, explain your predicament, and put forward the willingness to repay. Try to strive for negotiation schemes such as deferred repayment, interest reduction or installment payment.

3. Debt integration: Consider integrating all credit card debts into one credit card or one loan for better management and repayment. Ensure that the comprehensive interest rate and repayment period are more favorable to you.

4. Cut expenses: cut unnecessary expenses, optimize lifestyle, and use the money saved to pay off debts. At the same time, avoid using credit cards for consumption again and control your financial situation.

5. Seek professional help: If the situation is serious, you can consult financial institutions, lawyers or professional debt consulting institutions for professional advice and help.

Finally, the key to success is to face the debt problem positively, adopt a reasonable repayment strategy, repay the debt in a planned way, and gradually restore a good credit record.

Extended data:

China has relevant laws and regulations to protect debtors' rights and interests, such as People's Republic of China (PRC) Contract Law and People's Republic of China (PRC) Consumer Protection Law. The debtor can make legal and reasonable repayment arrangements according to his own situation and referring to relevant laws and regulations.