Don't doubt my story. Five of my colleagues lost money because of this, and I will soon. The credit card we made together at the beginning was quite good in the first month. From then on, it entered a vicious circle and snowballed until it could not be repaid. When there is a capital crisis, the first thing the bank does is to reduce the amount without notice, and the result is even worse. What banks do is not directly help you solve the credit crisis, but push. Calling the company and family and friends every day leads to the loss of bank credit, the company has no face job, and relatives and friends spit on me. Colleagues finally resigned, and even relatives and friends could not be found. Since then, they have been pursued by the law, and after being arrested, they will go to jail and be fined. The last resort is suicide! Don't think that suicide is nothing. The debt you owe is joint and several. Your family should pay off debts and arrears. And credit will also be affected.
Credit card is a tool for banks to spend money. Now that you used it, you were cheated. At present, you must decide not to use it first. Although credit cards are convenient to consume, once they are not returned, they will be charged by the day from the day they are swiped. The minimum is not enough. Many people don't understand the credit card policy, and the transparency is very low. It can be said that there are traps everywhere. Do not use it. I'm basically stuck with my credit card now, and I'm going bankrupt. Don't. I started with a credit card in 500 yuan, and now I owe the bank 500,000 yuan, which I can't pay back soon, so I would like to add an answer here to warn the cardholder not to think that you are all right. I have used it for so many years and I am very experienced, but you can't play with the bank just because the policy is opaque!