1. online sales: selling self-made products, second-hand goods or other goods through online platforms can effectively obtain additional income.

2. Online writing and translation: provide writing, editing, proofreading or translation services, and make full use of language ability to earn manuscript fees.

3. Offline services: such as part-time tutoring, escort, driving and other services, choose the right field according to personal skills and interests.

The following is a detailed explanation of the above conclusions:

1. Online sales: You can display and sell various products by creating your own e-commerce platform or joining existing online markets, such as Taobao and JD.COM. Especially suitable for special handicrafts, second-hand goods or small quantities of goods. This method can be operated flexibly in its own time schedule and has high autonomy.

2. Online writing and translation: If you have good writing and language skills, you can provide writing, editing or translation services for companies, individuals or publications through online platforms. This includes content creation, copywriting, website translation, etc. You can choose a suitable field according to your professional knowledge and skills.

3. Offline services: If you have certain skills or talents, you can provide various services in the community. For example, if you are good at a certain subject, you can consider being a tutor; If you have a medical background, you can consider providing escort services; If you have a driver's license and are familiar with local road conditions, you can consider driving part-time. These services are usually very flexible and can be arranged according to the individual's time and ability.

Summary: In order to pay off the overdue payment of credit cards and online loans, finding a sideline business is an effective solution. Online sales, online writing and translation, and offline services are all recommended sideline choices. You can choose the way that suits you according to your skills, interests and time schedule.

Extended data:

Here are some suggestions to help you find a sideline successfully:

-Understand the market demand: It is very important to study the market demand and trends before choosing a sideline. Identify the areas where there are opportunities at present and ensure that your sideline can meet people's needs.

-upgrading skills: through study and training, improve your professional knowledge and skills in the selected field. This will give you a competitive advantage and increase your chances of getting customers or orders.

-Marketing promotion: No matter which sideline you choose, effective marketing promotion is very important. Establish a professional image and use social media, word of mouth and other channels to promote their services.

-Financial management: Before the sideline business starts, make a financial management plan to ensure the reasonable arrangement of funds. At the same time, track revenue and expenditure, ensure sideline profit, and pay overdue funds in time.

Remember, choosing a sideline that suits you needs to consider your personal interests and skills, and at the same time make sure that you can take into account the need to pay off overdue payments.