I will not apply for a credit card if I am not sure whether I can repay it. Because it’s also easy to break one’s trust.

A friend called me in the past two days and asked me to borrow 20,000 yuan to pay off my credit card. Otherwise, my credit would be affected, and I might be legally responsible.

I am very confused, why can’t I pay back the money after I have consumed it? It turns out that his salary of 5,000 yuan a month, after deducting rent, transportation expenses, food expenses, etc., left very little. And he used his credit card to buy an iPhone for his girlfriend, and he usually went around to play. I heard he still had a few left. Use credit cards interchangeably.

I can’t make the decision regarding borrowing money. After we get married, we will discuss large expenditures. After hearing this, Mr. Liu did not agree to borrow money and felt that it was unreliable. I also expressed my difficulties to my friend. He might be too anxious and asked if I could lend him 5,000 yuan.

In the end, I lent him 5,000 yuan, knowing that he would not pay me back in a short time.

I have heard a lot of stories like credit card stories. I am a person who doesn’t dare to spend too much in advance. I have never thought about getting a credit card. The first time I came into contact with credit cards was Mr. Liu and his younger brother Dandan.

On the second day when Mr. Liu and I fell in love, he gave me a credit card with a limit of 20,000. He said that I could use this card to spend money in the future. this card.

Why does Mr. Liu, such a frugal person, apply for a credit card?

“This month’s consumption will be repaid next month. The total interest-free period is about 50 days. I put this money in Yu’e Bao, and there are still dozens of dollars in interest after one year. A few hundred yuan."

In addition, later, when we bought a house, his credit card limit was temporarily increased to 55,000. For two months, we really relied on the interest-free period on our credit cards to get through the most difficult days. After all, it was difficult to raise money. At that time, an extra 10,000 yuan was good. We took advantage of this time difference to solve the dilemma we faced.

Most of our consumption is based on the various time differences of credit cards. Anyway, we earn a lot of interest money. In addition to the points function of the credit card, I also changed a lot of things.

In our family, credit cards have basically played their due role, and Mr. Liu is a super rational consumer. Maxing out the credit card will not happen in our family.

Using a credit card really helps our life, but if it is maxed out, we face a dilemma even worse than that of my friend.