& gt Replace the existing dual-currency or multi-currency cards with single-currency cards in stages, so as to reduce the number of accounts owned in the statements and reduce the debt ratio; A single credit card can apply for installment if the debt is too high, but it is said that the second-generation credit report will show the installment amount and the number of installments, which everyone should pay attention to.

2. Adjust the application order: Many people want to try various channels, both loans and credit cards, when they need money urgently. However, due to the rapid approval of loans, it takes about a month for credit card approval to be activated, so you can apply for a credit card first and then apply for a loan, so the former is still under approval and has relatively little impact on the latter.

3. Prepayment: The first installment or part of relatively small loans can be settled in advance, so that the debt ratio shown by users in the credit report will also be reduced.

The above is about "how to borrow money with high debt?" The answer, I hope to help everyone. Generally speaking, high debts can be solved by clearing in advance and canceling unused credit cards. In addition, I would like to remind you that you should handle credit cards and loans moderately and do what you can to see if your repayment ability can be supported, otherwise it will be very troublesome.