Title: Overdue Debt of 100,000 Yuan at Shanghai Pudong Development Bank – What to Do When You Don't Have Money to Repay

Introduction:

Facing an overdue debt of 100,000 yuan at Shanghai Pudong Development Bank that has been overdue for five months can be overwhelming and stress-inducing. However, there are several steps you can take to address this situation even if you don't have the immediate financial means to repay it.

1. Assess Your Financial Situation:

The first step is to objectively assess your current financial situation. Consider your income, expenses, and any other outstanding debts you may have. Create a budget to better understand your financial obligations and identify areas where you can potentially cut costs.

2. Communicate with the Bank:

Contact the Shanghai Pudong Development Bank to explain your financial difficulties and inform them about your situation. Honesty is essential in building a bridge of trust between you and the bank. They may be willing to negotiate a new repayment plan that better suits your current financial limitations.

3. Seek Professional Advice:

Consider consulting a financial advisor or credit counselor who specializes in debt management. They can provide guidance on how to handle your financial situation effectively and may also negotiate with the bank on your behalf.

4. Debt Consolidation:

If you have multiple debts, you may consider consolidating them into a single loan. This can simplify repayment and possibly lower your monthly installment amount, making it more manageable. However, carefully review the terms and conditions of any consolidation options available, as they may have long-term implications.

5. Explore Alternative Sources of Funding:

Explore all available options to obtain additional funds. This could include borrowing from family or friends, taking up part-time employment, or selling unnecessary possessions. Consider all possible options, as even small contributions towards clearing your debt can make a significant difference.

6. Prioritize Repayment:

Develop a clear repayment plan that prioritizes your debts. While it may be tempting to prioritize other expenses, it's important to address your overdue debt as a top priority. Allocate as much as you can towards repaying the debt, even if it means cutting back on other expenses.

7. Embrace Frugality:

Staying disciplined and focusing on frugality can help accelerate your debt repayment journey. Cut unnecessary expenses, look for ways to save money on daily expenses, and avoid unnecessary purchases until your debt is cleared.

Conclusion:

While facing an overdue debt of 100,000 yuan at Shanghai Pudong Development Bank can be daunting, it is essential to remain proactive and take steps towards resolving the issue. Communicate with the bank, seek professional advice, and explore alternative sources of funding. By assessing your financial situation and adopting a disciplined roach towards repayment, you can gradually overcome this daunting challenge. Remember, financial difficulties are temporary, and being consistent and determined will help you regain control of your financial well-being.

比如，你上个月五号欠款10万，这个月五号只还了1万，还欠9万，那么利息是按照原欠款10万来算的应该，1个月以后，连本带利共91500元。再下一个月计算利息的方案时候。

2016年从浦发信用卡信用贷，借款10万。

在浦发信用卡欠钱，现在无力还款 可以采用以下自救方式:向亲朋友借款偿还:如果只是遇到资金周转问题可以通过借款的起诉方式暂时将欠款还清；向银行申请期还款。

浦发银行信用卡逾期无力偿还的法院话，要主动联系浦发银行信用卡中心，向热线的怎么办客服说明信用卡逾期的没钱原因和目前的自己经济困境，申请或者分期还款。如果银行不同意你期或分期还款的协商话。