1. What to do if you owe 90,000 on a credit card and you cannot pay it back

If you cannot pay back the credit card, it is recommended to take the following 5 methods: < /p>

1. Make installment repayment

If the credit card cannot be paid off at once, you can apply to the bank for installment repayment. You can call customer service to apply, or you can apply for it by yourself on the bank APP. , it is recommended to divide the period into the longest period to reduce the repayment pressure, so as to avoid not being able to pay it off after maturity, causing overdue repayment and affecting personal credit.

2. Apply for an extension of repayment

If you have made installment repayments and are no longer able to repay, it is recommended to explain the situation to the bank in advance, apply for an extension, and set the repayment time to Then extend it a little. If it affects the approval process, the repayment time can be postponed, so that you can have time to collect money to repay the loan.

3. Handle the cash-out of materials

No matter what, it is recommended to find a way to pay off the credit card as soon as possible, and you can pay back the minimum amount.

According to your own situation, try your best to realize it. You can sell valuable things for cash, or pawn them.

4. Find someone to borrow money and repay it

If you are personally unable, it is recommended to ask relatives and friends for help and borrow money from them first and repay it.

When you have money, you can return it to your relatives and friends.

5. Pay back as much as you have on hand

When none of the above methods can solve the problem, pay back as much as you have first, and show your attitude to the bank. It is not malicious to overdue, and it is true that you will pay back the loan. Amazing. When you have money that day, you should pay it back as soon as possible and get a settlement certificate. At the same time, we proactively assume responsibility for overdue repayments to minimize the impact.

2. What to do if the online loan arrears are overdue and cannot be repaid

1. Apply for installment or extension, show your good willingness to repay, and apply for installment or extension to the lending institution. Compared with the risk of you not paying it back at all, this point is also negotiable. If you really can't pay it back, you can ask relatives and friends for help. After all, this kind of thing is no joke. If there are friends who can help, they can still help you solve your temporary difficulties.

2. If you are unable to repay your online loan, there are three specific steps to deal with it.

(1) The first step is to terminate all loans to support loans and seek understanding and help from family members. First of all, don't use loans to support loans. This will only make online loans more and more repayable, and all platforms will become overdue if they are overdue. Confess to your family and seek their understanding and help.

(2) The second step is to respond rationally to huge profit collections. Post a statement in advance in your circle of friends to explain to everyone the huge profit collection you are experiencing, apologize for the possible harassment, and suggest everyone cooperate to hang up these disturbing calls and leave them with new numbers to reduce the number of old phone numbers. use.

(3) The third step is to understand your breach of trust, work hard and actively repay the loan. Check your credit through the credit reference center, and understand which online loans have been entered into the credit reference system and which ones have not been entered into the credit reference system, so that you know what to do and repay the loans in order. What's more important is to find a job and work hard to make money, and negotiate with banks or lending institutions to extend the repayment period or repay in installments.

If the credit card is not able to be returned after use, if it is seriously overdue, it will be considered as a malicious overdraft and will be held criminally responsible. Therefore, the card holder must contact the bank as soon as possible to negotiate a mutually acceptable one. The solution is to borrow money from relatives and friends to pay back the credit card to avoid overdue behavior that affects your life.