There was a story many years ago: in China, a 6-year-old woman finally saved up 5, yuan and bought a three-bedroom apartment that she had longed for for for more than 2 years since her marriage, but she didn't live for a few years ... And in the United States, there was also an old woman who paid off 5, yuan when she was 6 years old.
This is a question of consumption concept.
It takes two years to pay off a dress in 5 yuan. Maybe you think this is a bit incredible, but I tell you, it is absolutely possible! Just apply for a credit card, swipe your card to buy a piece of clothes from 5 yuan, and on the last repayment day of each month, just repay according to the minimum repayment amount; You can repay the loan according to the minimum repayment amount every month. Of course, you can pay it off in two years or three years.
If the bank can provide travel loans during holidays (domestic banks have started it, but it stopped because of many operational problems), the places I want to go most are the prairie and the snowy mountains, of course, referring to the domestic ones! After I am middle-aged, I may go to Europe to make a trip. It will cost hundreds of thousands of dollars to make a trip to Europe and feel comfortable. If I can pay it back in two years, I will apply first!
The key to this topic is: the concept of consumption in advance, and it is easy to draw a conclusion by grasping this point, but the "concept" cannot be reversed and changed overnight; But nowadays, young people, including me, can accept and make use of early consumption as long as they are under the age of 35, such as more and more people applying for credit cards and the sharp increase in housing credit.
Let's forget it, it's only 5 points, it's too little. If I were asked to write this topic, there would be a reward of 5 points, and I would get at least 55 points (full of 6 points) in my complete composition.
I would like to answer again:
And you can use the card to buy computers and mobile phones in installments ... for those college students with poor families, it is more suitable to use the card for college students. Why? Students, who don't "save face", but the living expenses haven't arrived this month, and they have to pay, and their girlfriends have a birthday, and they have to invite friends to dinner. What if there is no credit card? Borrow it from who? With a credit card, you can borrow a few hundred yuan in advance, and then you can repay it according to the minimum repayment amount. For example, in 5 yuan, it's OK to pay more than 5 yuan a month! In this way, is it convenient for both rich and poor students? Besides, second, it is true that some students do not cherish their credit, not to mention the credit card arrears. Even the national student loan is rarely repaid after working for several years. This is the problem of college students' integrity! However, more and more college students have realized personal integrity, and banks should also publicize it to college students in this respect; If there is a bad record in the personal credit record, it will be recorded in the national network "personal credit information system", and then it will be impossible to go to the bank for loans and study abroad! Just think, is it worthwhile to lose the annual salary of making hundreds of thousands and millions in the future just to not pay back the thousands of dollars from the bank?