1. You can pay off the debt by applying for credit card installment payment (the handling fee rate of each bank is different, which is about .5%-.8% per month-lower than the handling fee of the cashing company! ）；

2. If you can't apply for installment, you can borrow money on the last repayment date to make up the arrears, and then cash out for the second time (you need to pay the handling fee to the cash-out company again);

3. Pay the minimum repayment of 1% per month, with a daily interest rate of five ten thousandths, which is relatively high.

The best way is still 1.

It is advised not to cash in the cash-out company. If the bank finds out that it is cashing in the cash-out company, it will have an impact on handling credit card business in the future.