If you don’t help him pay back his credit card, since he is an adult, he has to be responsible for his actions. Only when he knows the dilemma when the bank makes it difficult for him to pay back the credit card, will he control his consumption. Parents always It's to help him pay off his credit card, he will never grow up.

The fastest and most effective way is to cancel all his credit cards and completely cut off his dependence on credit cards. As the saying goes, "put your life on the line and survive", no one knows how much potential they have unless they push themselves hard. Only by giving up dependence can we find new life.

Regarding your question, let me share my personal thoughts. There are many friends around me who use credit cards to make purchases in advance. When they swipe their cards to make purchases, they often don’t think about the later payment. If you have a payment problem, you won't even think that it will eventually lead to your inability to repay. Especially some people who really want credit cards use multiple cards to make staggered repayments. In the end, this bottomless pit will become bigger and bigger. When you are unable to repay, your credit card may become overdue. If it is overdue, it will affect your personal credit report. If you have the opportunity to buy a house or a car in the future, and you need a loan, the bank will know when you check your credit report. If your credit card is overdue, if it is serious, your loan application will be directly rejected. If your personal credit report is not good, you will not be able to apply for many bank loans in the future.

Therefore, I personally suggest that family members try to help him pay back the money he owes if financial conditions permit, and then ask him in person to call him to cancel and cut the card, and then do a good job of supervising the later work.

This is what we usually say is still gnawing at the old man. Don’t help him pay it back. You must be ruthless and let him know that he has no support. Only when he encounters a big setback can he make corrections. Now It is difficult to apply for a new credit card if it has been overdue. Even if the credit report is on the credit report for five years, it will not be wiped out gradually. However, another problem is that we should pay attention to the fact that he may also use online loans. Online loans cannot It's scarier than a credit card

The most effective thing is to let him not be able to pay back the money himself. Others help him pay it back because he thinks it's terrible to be overdue. But the most terrifying thing is this endless repayment. Impact lives. Let him deal with it and face it. Finally forced to go ashore.

The most effective thing is to let him not be able to pay back the money himself. Others help him pay back the money because he feels that it is terrible to be overdue. However, the most terrible thing is that this endless repayment affects his life. Let him deal with it and face it. Finally forced to go ashore.

It’s best not to touch it. You always have to pay back what you owe others. This is the bottom line of being a human being.

You can never wake up a person who is pretending to sleep

Negotiate with the bank as soon as possible,