At first, I had some money with me, but later I knew a friend who didn't have the money to ask me to borrow money, so I picked him up when he didn't come back. In the later life, I spent money when we went out to play, and he didn't have any money. In this way, we played and I lost it. Later he asked me to do it. At that time, all three of his credit cards were maxed out. Later, I did it. At that time, I got a 3, credit card, and then I went out to play, and I played all kinds of games. I used to be able to save money, but now I can't save it at all. It didn't take long for me to build a 3, credit card, and I went to get a 2, credit card. Finally, I had seven credit cards, the highest of which was 5,, and various loans. I really couldn't pay it back. I remember the first time my dad came to give me 2w, but I didn't dare to say that there was still a loan. My dad said there was no loan, and I said there was no loan. In fact, I only paid back half of it. Later, when people called my home, my mother scolded me and paid me back the money. In the middle, a * * * paid back 57w, which made me wake up from a fairly well-off life. < P > Because I could overdraw in advance, in fact, a credit card was one. If it's convenient to do business, if it's eating, drinking and having fun, it won't work. Business people can use it to make money, but they just understand it for fun, so there is nothing wrong with the credit card itself. The fault lies with people!
I am the person who likes to use credit cards the most. I owed 1, yuan to my credit card in 211, and now I owe 8, yuan ... It is not until today that I understand that credit cards are convenient, but they have also fallen into the pit of credit cards, and now I can't get up. Sincerely bid farewell to 221 and hope that 222 can climb out of the pit ...
If you don't like to use it, you have to use it. Can a small business owner get a loan from the bank? The bank's money is specially provided for people who owe billions or tens of billions or even trillions. How can ordinary people get loans from banks?
Credit cards can be used for emergencies and business turnover, and some people use them to make some investments. Now I have done a project with pipeline income, which has income every day. The market just needs it and the demand is great. I believe that if you stick to this, you will get the result you want.
1. you can apply for a large loan after accumulating credit, and your credit card usage record will be reported to the central bank, so you will have your own information. Therefore, the use of credit cards to ensure timely repayment will be conducive to applying for mortgage loans in the future.
2. The use of credit cards is particularly extensive. Now we can use credit cards regardless of a treasure offline or online.
In fact, as long as credit cards are used correctly, there is still no pit for us.
Credit cards can bring cash flow. Besides "cash flow", credit cards also have an invisible advantage, which is that they can give themselves and their families an extra way out, which can alleviate the urgent need at critical moments. Most people's assets in China are in their houses, but it will take a long time to turn them into cash. No one knows what will happen tomorrow. If money is suddenly needed, It's better to ask for help than to ask for help. After all, no one wants to borrow money in a condescending manner. According to statistics, it takes an average of 4-8 years for a person with a monthly salary of 8, yuan to save 2, yuan. Even if it is saved, most of the money will be spent on fixed assets or regular financial management. However, it only takes one year for a person with a monthly salary of 8, yuan to have a credit card of 2, yuan. We don't need to use a credit card, but it is best to have it.
the essence of a credit card is to spend, not to invest. If you fail to invest with a credit card and the bank asks you what the money is for, you can only say that it is spent. If you say that you have invested, you are a malicious overdraft. See how the bank will clean you up!
So it can't be said to be a double-edged sword. The inventor of the credit card is to make you an old man, so that you will never be clear, so that they can eat your flesh and drink your blood! ! !
Credit cards are convenient and better than online loans.