Remember: Actual card and loan conditions depend on the financial institution's approved terms and contract.
Stop the deterioration first
Avoid repeatedly using expensive new debt to cover old debt.
List every creditor and balance
Know the complete picture.
Use formal channels
Official pre-negotiation mechanisms exist.
Negotiation affects credit
It is not consequence-free.
Official reference
Taiwan Banking Bureau — debt negotiation mechanism ↗
General financial education only. Not a lending offer, personal credit determination, or individualized borrowing advice.