Online loan routines, 2021 is the country’s risk control year, and I am one of them. First of all, I must declare that all online loans are unfriendly to us, including credit cards.

My 60W debt still has to start with my Guangfa credit card. I paid back 50,000 yuan on my credit card before buying a house, and I paid it back later. I have been using it, and the credit limit is 4.3W. Guangfa gave me an additional 3.2W credit limit. I bought a parking space for 7.5W last year and spent 4W.

J.D. COM's limit is 10W, and I borrowed a 5W car, so I opened Pandora's box and started my 60W online loan. After about a year of use, the interest reached the highest level of 60W.

At the beginning, the loan interest is basically about 1 cent. It is recommended for you to borrow. That means you borrow about 1,000 a year. The maximum interest rate in the later period is about 2 cents and 5 cents, under normal repayment conditions. If the overdue penalty interest is liquidated damages, the principal can basically be doubled, which means that if you borrow 10,000 yuan, you may have to pay back 20,000 yuan.

Because the salary is not high and the expenses are not small, I want to make some extra money, but seeing that the stock market is doing well, I feel that it is very promising (I will write a separate article about stocks when the time comes), so I borrowed Invest some money in stocks. Because I was always losing money and I was making money here, I had to borrow new debt to pay off the old debt, which led to more and more debt.

The peak debt exceeds 60W, Didi Finance 10W, JD Finance 10W, Ctrip Finance 5W, Huantai Finance 5W, Guangfa Credit Card 7.5W, Bank of Communications 10W, China Construction Bank 4W, WeChat Loan 3.5W, Meituan 1.4W, private mortgage loan 20W.

Among them, the two with the highest interest rates, Didi Finance and JD Finance, have interest rates above 2.5 cents, while others are basically around 2 cents. Because they can't afford the repayment, they have told their family that they started selling their house last month and are expected to complete the repayment before the end of the year. Here, I advise you not to borrow money, you will pay it back one day.

As a person involved, I would like to share my experience with you, hoping that everyone can get out of the sea of ??suffering as soon as possible.

1. Stop borrowing new debt to repay old debt. Borrowing the new to repay the old is tantamount to drinking poison to quench thirst. You will only owe more and more. No matter how much you owe, stop first and cut your losses.

2. Explain everything to your family as soon as possible. No matter whether they can help you or not, no matter what happens, they are mentally prepared.

3. Reduce all expenses and use them all to pay off debts. Every cent in debt reduction is worth a cent.

5. No matter how much you owe, don’t do stupid things. There is still a long way to go in life. Now it is as difficult as a mountain. In 30 years it will be a small slope.

6. Pay back one point at a time, step by step. I hope that in the new year, everyone will not borrow money and only use the money they earn. Related Q&A: Is the loan app on Didi reliable?

The loan app on Didi is reliable.

It is unlikely that Didi Finance will develop loan business opportunities in the future without relying on travel scenarios, and according to public data, Didi has “Dishui Loan” credit products for drivers and passengers, as well as “Drip Loan” credit products for partners. Auto finance solutions, and Didi Financial Services hopes to build a financial technology service platform in the future, using its own technical strength to undertake related financial products from compliant financial institutions.

It can be seen that with the low-key launch of Didi’s financial channel, in the future Didi may rely on the development of its own technology and rely on the following 6 major scenarios to appropriately launch 6 series of loan products to achieve mass travel The perfect transformation of financial technology in relevant scenarios to better serve the masses.

The reasons why Didi cannot borrow money if there is a limit:

1. There is a problem with the credit report. Didi loan money has very strict requirements on personal credit information. If it is found that the applicant has a bad credit record, then

2. The debt is too high

When applying for Didi loan money When applying, Didi Borrowing will evaluate the applicant's repayment ability. If the applicant's debt is too high, the system will consider that the applicant's repayment ability is insufficient and there is a risk of borrowing, and the loan will be rejected.

In general, the reason why Didi cannot borrow money if it has a quota is mainly due to the above reasons. Therefore, if you want to borrow money on Didi, you must avoid credit problems and excessive debt. situation, otherwise there will be a situation where there is a limit and cannot be borrowed.