Debtors should not hope for a windfall; the psychologically soundest as well as the most effective approach is to negotiate a realistic repayment schedule with their bank that will enable them to pay down their debt as quickly as possible.
欠債還錢天經地義，卡債族不能心存僥倖，與債權銀行進行協商、在能力所及範圍內儘快展開清償，仍是改善債務的正確心態和最有效方式。