But I think the interest on credit cards is so high that people can repay them as soon as possible. I think it's normal. This is not usury, but if you don't pay back the money, the interest will naturally get higher and higher. He overdrawn 200 yuan and paid back 30,000 yuan after 1 1 year. I have to say that this is really a wrong move. Of course, it is necessary to return the overdrawn 200 yuan as soon as possible.
In fact, the high interest rate of this kind of credit card is reasonable, just to let these people pay back the money as soon as possible, so there will be no interest, but some people pay back the money unconsciously, resulting in more and more interest. 200 yuan delayed 1 1 year, and finally paid back more than 30,000 yuan. The high interest rate of credit cards is to deal with such people who refuse to pay back the money.
Actually, in my opinion, it's best not to be too used to overdraw by credit card, because it will form your habit. When you spend money lavishly, you don't know how much you have spent, but you know how much you owe as soon as you buy something. When you pay back the money, you will know how much you owe, and once you get paid, you will become a moonlight family with no money in your pocket. Therefore, the high interest rate of credit cards is just to let people not rely too much on credit cards. Credit cards are only used for emergencies, not for daily use, because the interest rate is really too high. For example, this woman overdrawn 200 yuan, and failed to pay it back 1 1 year, and finally she had to pay back more than 30,000 yuan.