Yes, you can deal with this dilemma by:

1. Create a repayment plan: Make a list of all your debts and create a reasonable repayment plan. Use a portion of your disposable income toward debt repayment and make sure you make your minimum payments on time.

2. Cut expenses: Review your expenses and identify opportunities for savings. Cut unnecessary expenses such as entertainment, shopping and dining so that more money can be used to pay down debt.

3. Increase your income sources: Look for additional money-making opportunities, such as part-time jobs or freelance projects. Leverage your skills and interests to find ways that work for you to increase your income.

4. Negotiate with creditors: If you are unable to repay all your debts on time, please contact your creditors as soon as possible and explain the situation. They may be willing to work out an agreement with you to reschedule your repayment plan.

5. Seek professional help: If you feel you cannot solve the problem alone, you can consult a professional credit counselor or seek legal advice. They can provide personalized advice and guidance.

Summary: Dealing with debt problems requires a certain amount of time and patience. Developing a repayment plan, cutting expenses, increasing sources of income, and negotiating with creditors are all key steps in resolving the problem. Seeking professional help can provide more specific and personalized advice. It's important to maintain a positive attitude and take steps to gradually get out of debt.

Extended information: According to Chinese law, credit cards and online loans are contractual debts. Failure to repay your loan on time can result in interest accumulation, late fees, and damage to your credit history. Therefore, it is crucial to respond promptly to debt issues to avoid further financial stress and consequences. When dealing with debt, it's wise to understand the relevant laws and regulations and seek professional advice.