Many people don't use credit cards because they think credit cards are black holes, for those who lack self-control. There is no "disadvantage" in the invention of credit card, but some users can't use it, which leads to the "disadvantage" of credit card, just like a knife, which is used by "good people" to cut wood and used by "bad people".

Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally? !

Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.

I used to have a good friend's classmate who maxed out his credit card and borrowed money everywhere to pay it back. In fact, I think people who have no self-control really had better not use credit cards. !

At first, I accidentally used my credit card. Generally, a credit card is required. I got a credit card as soon as I got a salary card. I think since we already have it, let's try it!

Until one hospitalization, you need to pay more than 10000. I was really poor at that time. I really can't afford such money. I seem to remember that the credit card limit was still more than 10000, so I paid by credit card. No psychological burden. Finally, it was repaid in installments and paid off.

Then I thought about it carefully. If I had borrowed money from someone else instead of swiping my credit card, would I have borrowed it in a short time? Maybe you don't think you can borrow 10000 yuan? But some people really can't borrow it. I think I can borrow it, but I won't take it. To tell the truth, you borrowed it. It may be a good relationship. I'll lend it to you. Not for a while. It will take some time. What if others need money in the meantime? Such good friends and relatives. . .

During the interest-free period, your savings can be used for other purposes! If you need money in case of any emergency, don't panic if you have food in your hand. The simplest thing is that he uses it. You still have interest when you deposit Alipay. Although the interest rate of Yu 'ebao is relatively low now, this is just an analogy, not for you to save money on Yu 'ebao.

For example, refueling a credit card can save a lot of money on gas. At present, this high (low) average (high) oil price is still very useful.

When you need to buy something, or spend a lot of money, swipe your credit card and pay it back in installments. Yes, there must be interest, but think about it. If you repay the loan in installments for one year, will you be 1000 yuan now and 1000 yuan next year?

Maybe you can buy 500 Jin of rice at 1000 yuan now, but you can only buy 300 Jin in the future. (For example, inflation is not calculated in this way, but this is the truth. )