I have credit card loan for 3 banks. I am self...

The economy was affected by the Coronavirus COVID-19 pandemic, which led to the disruption of many economic sectors on a large scale.
The banking sectors that finance the economy are among the sectors most affected by this situation, as they lend money to all other types of economic sectors.
Since the number of financially troubled companies and individuals as a result of the current conditions has increased dramatically (which is justified), the damage is direct to the banking sector.
Therefore, the banks continue to pressure and increase the pressure on defaulters, both companies and individuals, to commit to paying the outstanding and late loan payments so that the bank can withstand during this period.
Unfortunately, there is no magic solution to bypassing your current situation as it is very frequent and widespread, but you can communicate with the bank to find a suitable scheduling formula for you, through which you can commit to paying the accumulated amounts but over a longer period of time and reduce the value of the premium.
This is the only way to get out of the current situation and avoid greater financial problems in the future.