1. Communication with the bank: First, contact the card-holding bank as soon as possible to explain your predicament and seek a negotiated solution.
2. Repayment plan: discuss with the bank to formulate a reasonable repayment plan, and propose a feasible repayment amount and time limit according to its own economic situation. Try to avoid delaying repayment to reduce the accumulation of interest and fines.
3. Increase income and save expenses: actively explore ways to increase income, such as finding sideline or part-time jobs, and at the same time review and cut unnecessary expenses to improve repayment ability.
4. Seek professional help: consult a professional financial adviser or lawyer, who can provide you with further advice and guidance to help you effectively solve the debt problem.
Summary: Facing the dilemma that the credit card debt is overdue by more than 400,000 yuan, it is an important step to actively communicate with banks, make repayment plans, increase income, save expenses and seek professional help.
Extended data:
Overdue credit card arrears will damage credit records and limit personal loans and credit card applications. Banks can take legal measures to recover debts, including prosecution and seizure of property. Therefore, it is very important to face and solve the problem of arrears as soon as possible.