The difficulty in repaying credit cards is a common problem among many young people. Young people who have just set foot on their jobs are faced with problems such as choosing a spouse, getting married, applying for a job, training, traveling and supporting their parents. If something unexpected happens to them, it will be even worse. Many post-90s young people say that it's not that they don't work hard, but that prices are too high and there are too many places where money is needed. In fact, it is true that China people lead the world in working hours, and the proportion of women participating in work ranks first in the world. I can see that everyone is really working hard, but we still have to face the problem of returning credit cards. The most common can be solved by the following three methods.

1, bill by installment. This is the most common and effective method. From the third period to the thirty-sixth period, users can choose freely. Because of the small number of periods, the repayment pressure is great, but the accumulated handling fee is small; On the contrary, the number of installments is long, the monthly repayment amount is small, but the accumulated handling fee is high. Users should balance the relationship between the two.

2. Minimum repayment amount. The minimum repayment amount effectively pulls people back who are struggling on the edge of repayment. The minimum repayment only needs to pay 10% of the bill, but the interest rate is relatively high, so users need to think twice and choose as appropriate to avoid bringing greater repayment pressure to themselves.

3. Third-party repayment platform. Internet finance makes inclusive finance shine on more people, so that people who can't provide services or can't reach the threshold for banks to provide services can also enjoy financial services. The application threshold of repayment software such as Repayment APP is very low. You only need to provide your ID card, real-name registration system-certified mobile phone number and credit card online. In general, your credit limit can be seen in 15 minutes, and it can be repaid to your credit card in 1 second. After the bill is phased, the repayment can be delayed for one month, and there are many repayment options.