1. Confess to your family before the deadline and see if you can get help from them. At this time, you have to bear the scolding and beatings. After all, only your family will be willing to bear it with you. You'd better list the balance on each credit card and let your family know your debt situation so that you can think of solutions together.

2. If your family can help you repay the loan, don’t be resentful. You can try to borrow money from relatives and friends, or find some low-interest loans to temporarily solve the current predicament. When looking for someone to borrow money, you must give a guarantee. It is best to agree on a repayment period and interest to gain trust.

3. If that doesn’t work, see if you can borrow it from your boss, and then work part-time to pay off the debt. This depends on whether you can meet a noble person.

4. If there is really no other way, see if you can negotiate with the bank for repayment. Generally, if the cardholder is unable to repay due to unemployment, illness or other accidents, and the financial strength is insufficient, the bank will still agree, and then he can sign a personalized installment repayment agreement and divide the repayment into 60 installments.