1. Optimize the existing debt: firstly, analyze and evaluate the existing debt to understand the detailed debt source and repayment ability. We can optimize the debt structure and reduce the repayment pressure by prepayment and negotiation extension.
2. Increase income: The debt situation can be improved by increasing personal income. You can consider adding additional sources of income through sideline, part-time job, investment and wealth management. To further improve your repayment ability.
3. Reduce expenses: Carefully manage personal expenses and optimize daily consumption and lifestyle. We can reduce our monthly expenses by cutting unnecessary expenses and reasonable consumption, and set aside more funds for repayment.
4. Debt consolidation: If there are multiple loans, debt consolidation can be considered, and different loans can be consolidated into one loan to reduce the repayment pressure and interest burden.
5. Seek professional help: consult financial professionals, seek professional suggestions and solutions, and make corresponding adjustments and plans according to personal circumstances.
In addition, if you pay attention to the query of online loan records, you can use the online loan big data system such as "Kingfisher Data" to query your own online loan application records, application platform types, whether it is overdue, overdue amount and other important data information, as well as credit cards, estimated online loan credits and other information.
I hope the above information is helpful to you.