Let me give you a concrete example: one of my college classmates applied for a credit card with a limit of 20 thousand when he was in graduate school. At that time, he had no other source of income except the 800 yuan bonus paid by the school on time every month.

He talked about a girlfriend. The first time I went to the woman's house, I spent more than 5000 yuan, all by credit card. Later, during his two years in graduate school, he collected more than 40 thousand yuan in cash for consumption. Because there is not enough income, he often can't pay back his credit card and has to borrow money everywhere.

Later, there was no way out. His sister and brother chipped in for a credit card. Before he graduated from graduate school, he owed more than 40,000 yuan. You can imagine how hard life is.

Every time I go to his place, he basically eats in the canteen and rarely goes out to eat in restaurants. Fortunately, the credit card money has been paid back. As long as he works hard after graduation, it is not too difficult to pay back his brother and sister's money.

I give this example to tell you that if you have no source of income, you'd better not touch loans and credit cards. Although credit cards and loans are more convenient than borrowing money from relatives, once they are overdue, you will have to pay more and more money, and it will be difficult for you to pay them back in the end.

For those who have no source of income and owe money on credit card loans, my suggestion is to do everything possible to borrow money from relatives and friends and return the money. The bank will not sympathize with you. The longer overdue, the more you have to pay, and there is no mercy.

As for the money of relatives and friends, as long as you promise to find a good job or start your own business, as long as you have the determination to pay back the money, you will pay it back one day, and you will not be sued or even jailed for it.