270 thousand yuan credit card, 3000 yuan per month, how to plan repayment?

First of all, let's assume that the debt of 270,000 yuan is the same credit card, so even if 60 interest-free repayments are made, the debt of 4,500 yuan will be repaid in each installment. Your personal disposable fund is 3000 yuan, which is easy to calculate. You also need 1.500 yuan to cover the debt of 270,000 yuan.

If it is multiple cards of multiple banks, it will be divided according to the different amounts of different banks. Assuming that all cards can be divided into 60 periods, the result is the same as above; If multiple cards from different banks cannot be repaid in 60 installments, then more funds are needed.

So how to solve it? According to the principle of giving priority to solving debts and solving debts by stages, the debts are classified, and 3,000 yuan can completely cover about 1.5 million debts.

I hope I can help you. If there is no follow-up funds, overdue is inevitable. Solve the large amount first, and then solve the small amount. It takes a process, so don't worry.

In addition, it is suggested to increase your income through part-time work. Generally speaking, it is not difficult to increase the income of 1500 yuan.