First of all, we should realize that no matter whether it's ant borrowing, micro-lending, or JD.COM gold bars, if they can't pay back the money in time, they will leave a bad credit record. What's wrong with leaving a bad credit record? It is very important that it will be more difficult to buy a car if you need a bank loan in the future. I owe money to ants. What if I don't pay it now? ?

1. Pay off the money you owe in installments?

Paying back the money in installments will reduce the pressure of paying back the money in the short term, but the overall interest rate is higher, which means more money needs to be paid back. In the process of paying back the money by installments, I must make use of this time window to make money. Paying back money in installments is nothing more than giving yourself more time to find money to pay back. ?

Second, borrow money from relatives and friends?

In this case, it is really difficult to borrow money from your relatives and friends, because it is quite shameful to owe the borrowed money. But there is no way, in order not to defile your credit record, you should use your interpersonal relationship when necessary. If you can save face, I believe your family will be willing to help you. No one wants to see their family owe a lot of money to financial institutions. ?

Regardless of the above-mentioned repayment methods, the most fundamental wish is to make money by your own efforts, whether by installment or by borrowing money from friends. Therefore, the most fundamental solution is to improve your ability to make money. Only in this way can we really solve the problem. When a person can handle the relationship with money, then he can handle all aspects of life.

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