First, it is not advisable to reverse the credit card, not only to pay the interest on the arrears (many people don't know how to use the interest-free period of the credit card), but also to pay the extra card reverse fee. Even if there are credit card machines with lower rates on the market, it is said that there are irregular rates that can reach 0.38, but in any case, this is an extra expense. If you spend 654.38 million yuan per month, you will have to pay 380 yuan for the card swiping, not to mention many of them are higher than this. As long as you have a normal income, you won't see it in the short term, but in the long run, throwing out 380 yuan a month is not a small expense. Now the supervision is more and more strict, and the punishment for cashing out and reversing cards is more and more severe. From light to low, the card amount may be directly blocked, causing many people to suddenly cut off the supply, unable to counter the card, and fall into a debt storm.
Second, the reverse card should be paid enough attention to, change the strategy in time and reduce the risk. Then, how can people who have been keeping and gradually feeling the pressure get out of the pit? First of all, look at your income and see if there is any possibility of improvement in the short term. Income is obviously greater than expenditure. If the conclusion is negative, we can only reduce expenditure and find ways to increase income. Secondly, if the repayment pressure is too high, seek external funds to borrow, provided that the interest rate is lower than that of the bank, the repayment time is long, or directly seek family help. As for the priority, judge for yourself. I believe you know the consequences of overdue. Finally, we must put aside the original extravagant or unrestrained life, and don't take out the money we have invested until we have to. Balance of payments, you can live a normal life, income is less than expenditure, you can only live a poor life, income is greater than expenditure, and your life will get better and better.
Third, to achieve high income, pay off debts in one lump sum and treat diseases, it is precisely because of my very limited economic conditions that I think of withdrawing money through various channels such as credit cards, flower shops and online merchants, and then use them to supplement my living expenses, thus forming the habit of taking this road. If there is no money, one has to borrow money to spend it. After a long time, the hole is getting bigger and bigger, and the reputation is tarnished. So if you want to solve this problem, you should make yourself rich. If you have money, you won't think about borrow money to spend. How can I make myself rich? Two ways to make money are to invest in Qian Shengqian, or to make money through your own labor and ability. For example, you can invest in industry, do some small business, open a shop, jump ship and so on to increase your income. Only by increasing your income can all the problems be solved.