债务优化属于国家政策，用25%本金还清所有债务，但是征信会坏掉，除了不能向相关银行再继续贷款别的没什么影响，主要是针对网贷信用卡和信用贷，有冻卡困扰的也可以咨询我，如果缺乏信任可以发位置我去你那里当面操作别扯没用的不要搞头发长见识短那一套
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