When handling credit business, the bank will check the personal credit information of the applicant and the debt ratio of the credit card under his name. Credit card is usually a tool to support cardholders to spend in advance. However, excessive consumption in advance often leads to excessive credit card debt. So, how do credit cards reduce debt? How to reduce debt by credit card? If you want to reduce the credit card debt ratio, you need to pay off the credit card debt first. Users can choose the minimum repayment method, installment repayment of credit card bills and the method of dealing with credit card debts first to solve the problem. In general, the cardholder has repaid the minimum repayment amount of the credit card bill, so the current credit card bill will not be on personal credit. Moreover, if you choose the installment payment method, you can avoid credit reporting, and share the current liabilities evenly in the next few months. When the liabilities are too high, you can share them through time. Generally speaking, the above methods are effective and can solve the debt problem of credit cards. Usually, cardholders hold more than one credit card, but too many cards will easily lead to overdue, and cardholders still need to make reasonable arrangements for repayment according to their actual situation.