At first, I had some money on me. Later, I knew a friend who had no money to borrow money from me. He didn't come back. I'll pick him up. Later in life, we went out to play, I spent money, and he had no money. In this way, I lost all the credit cards he asked me to handle. At that time, all three of his credit cards were maxed out. Later, I also did it. At that time, it was 30 thousand yuan, and then I went out to play, all kinds of fun. It wasn't long before I dumped 30 thousand yuan, and then I added 20 thousand yuan. Finally, there were seven credit cards, with a maximum of 50,000 and various loans. I really can't repay them. My parents always come to pay me back, and I dare not tell them. I remember the first time my father came to give me 20w, but later I didn't dare to say that I had a loan. Father said there was no loan, and I said no, in fact, I only paid half.
Because you can overdraw in advance, in fact, credit card is a double-edged sword, depending on how you use it and why. If it is convenient to do business, eating, drinking and having fun will not do. Business people can use it to make money, but it is only understood as fun, so there is nothing wrong with the credit card itself, and the fault lies with people!
I like to use credit cards best. I owed 1 10000 credit card from 20 1, and now I owe 800000 ... I didn't understand until today that credit card is convenient, but it also fell into the pit of credit card, and now it is the kind of pit where I can't get on. Sincerely bid farewell to 202 1 hope that 2022 can climb out of the pit. ...
You have to use it if you don't like it. Can small business owners get loans from banks? The bank's money is specially prepared for people who owe billions or tens of billions or even trillions. How do ordinary people get loans from banks?
Credit cards can be used for emergencies and business turnover, and some people use credit cards to make some investments. Now I have done a project of pipeline income, and I have income every day. The market just needs it, and the demand is great. I believe that if you insist on doing this, you will get the result you want.
1. After accumulating credit, you can apply for a large loan, and the credit card usage record will be reported to the central bank, and you will have your own information. Therefore, the use of credit cards to ensure timely repayment is conducive to applying for mortgage loans in the future.
2. Credit cards have a wide range of uses. Now you can use a credit card for any treasure that is not under the pipeline.
In fact, as long as we use credit cards correctly, there is still no pit for us.
Credit cards can bring cash flow. In addition to "cash flow", credit cards have an intangible advantage, that is, they can give themselves and their families an extra way out and alleviate their urgent needs at critical moments. Most people's assets in China are in houses, but it will take a long time for houses to turn into cash, and no one knows what will happen tomorrow. If they suddenly need money, it is better to ask for help than to ask for it. After all, no one wants to borrow money from others. According to statistics, it takes an average of 4-8 years for people with a monthly salary of 8,000 yuan to save 200,000 yuan. Even if it is saved, most of the money is spent on fixed assets or regular financial management, but people with the same monthly salary of 8,000 yuan only need 1 year to have a credit card of 200,000 yuan. We don't need a credit card, but we'd better have one.
The essence of credit card is consumption, not investment. If you fail to invest with a credit card and the bank asks you what the money is for, you can only say that you spent it. If you say that you have invested, you are maliciously overdrawn. See what the bank does to you!
So it can't be said that it is a double-edged sword. The inventor of the credit card is to make you an old man, so that you will never know, let them eat your meat and drink your blood! ! !
Credit cards are convenient and better than online loans.