You really can't afford it. As you said, you can only pay back more than 1 0,000 a month. Then you should contact the bank. Don't try to avoid it, but explain the situation. Generally speaking, it can still be delayed. The bank should not file a lawsuit against you. Of course, the premise is that you really have to pay off the money in two or three months as you said.
Finally, as for your personal contribution, although it has been recorded, there is still a chance to make up for it. As long as you continue to use the credit card after paying off the debt, and continue to use it for more than 24 months, and repay at least the minimum repayment amount within these 24 months, you will maintain a good credit. Then, because the credit information system of the People's Bank of China can only record the repayment records of credit cards in the last 24 months. So your previous credit stain will not be covered, and it will not have an impact in the future.
Always, take the initiative to contact, repay as soon as possible, and actively make up for it. The problem will be solved.