The ways to deal with this situation include emergency fund-raising, reasonable repayment planning, active negotiation with banks, debt restructuring, etc.

1. Emergency fund-raising: as far as possible, raise funds by selling idle items and borrowing from relatives and friends to reduce the debt burden.

2. Reasonably plan repayment: list the arrears of all credit cards, including principal, interest and overdue penalty, etc. Give priority to the credit cards with high interest, and at the same time try to ensure the payment of at least the minimum repayment amount of each card to avoid further deterioration of credit records.

3. Take the initiative to negotiate with banks: contact the credit card issuing banks to explain their financial difficulties and apply for installment payment or deferred repayment plan. Many banks will provide personalized installment repayment plans to reduce the repayment pressure in the short term.

4. Debt restructuring: If conditions permit, we can consider seeking the assistance of professional financial consulting institutions or lawyers to carry out debt restructuring, so as to integrate multiple credit card arrears into one loan and reduce the monthly payment for easier management.