Xiaowen, who lives in Xi 'an, Shaanxi, is 2 1 year old and 20 17 years old. Xiaowen started to use credit cards after being introduced by his classmates. "In the beginning, my credit card was only 3,000 yuan, and I slowly spent it. Later, with the continuous upgrading of consumption, the amount also increased. Because I didn't have a job, income or a credit card, I started to apply for credit cards from various banks. " Xiaowen said: "Most of these cards are handled online. Just fill in the company name, even my company phone number is empty, and it will be done smoothly. "
In addition to the credit cards of various banks, Xiaowen also borrowed money from peer-to-peer lending platforms such as JD.COM Baitiao, Jiebai, Huanbai and Bai Hua to rob Peter to pay Paul. In less than two years, Xiaowen owed more than 200,000 yuan in debt, and all this money was only used for his own consumption. Xiaowen said: "Because cash must be swiped from the POS machine, I didn't realize how much handling fee to charge for swiping cash. I just want to pay back the money on my last card as soon as possible, so I will accumulate it slowly until one day I figure it out. The handling fee for brushing a POS machine is more than 3,000 yuan, but I still have to withdraw the money. "
For two years, Xiaowen doesn't know where all his money has gone. Spending money is so foolish. In a quarrel with his mother, Xiaowen told the story and learned the truth. Xiaowen's mother, Ms. Wang, was almost heartbroken. "My daughter is very obedient at ordinary times and wears ordinary clothes. I really didn't expect such a problem. " Ms. Wang said with some hatred: "When my daughter failed the college entrance examination, I gave her a training class. Sometimes she asks me for pocket money, and I will give it, but sometimes she doesn't work hard and I won't give her pocket money. "
Ms. Wang divorced in her early years and opened a small craft studio at home, which was her source of income. Knowing that her daughter owed so much money, Ms. Wang collapsed. "Do some small business at ordinary times, take care of the basic life. Now I owe more than 200 thousand. I have to eat or drink for five or six years before I can pay it back. If you remove normal expenses, I don't know how many years it will take. " After discovering the problem, Ms. Wang has taken her daughter to the major banks to cancel her account, and applied to the bank to blacklist her daughter and can no longer lend her money. Most banks agreed and did this, but some banks refused.
This made Ms. Wang very worried, fearing that her daughter would not get it back and she would once again fall into loan consumption. At the same time, Ms. Wang also has doubts about the form of bank loans. "My daughter has a card and a credit card to make up the money for this card, but she hasn't done it yet. But if the bank can stipulate that a card can't get money, other banks will no longer open a credit card for her. I don't know if this can resist the child's desire for consumption. Why can we open so many more cards before one card is available? " Ms. Wang is helpless.
Seeing her mother's difficulties these days, Xiaowen also realized her own problems. Now she just wants to make money hard, make up for the hole in the loan, and then start a new life and be a different person. The cost and consequences of consumption in advance are often very painful. I hope everyone can consciously resist the bad consumption concept, spend moderately and do what they can.