10 years old, 30 years old, don't want to go to work and start a business? But nothing, no resources, no connections, it doesn't matter. The point is no money. I was fooled by the scalpers all over the street (these guys are either outside the self-service bank or in front of the supermarket) At that time, they were enthusiastic citizens, and they helped a little from time to time, feeling very good and friendly), so they set up three cards for Zhang Zhongxin, Guangfa and Bank of Communications, with the fastest quota of Guangfa 10000, followed by CITIC 8000 and Bank of Communications at least 2000. With this money, I rented a slightly larger house, house and office.

However, because I went to work for myself as soon as I patted my head, there was no planning and certain accumulation at all, which doomed the road to entrepreneurship to be bumpy and hard, and there was no result.

The purpose of getting a card is to use money urgently. I'm not a slave, and I'm not in the mood to raise cards with cards. So several credit cards are overdue. About half a year ago, the three cards were extremely bad, and the late payment fee exceeded the principal. I just know that 0.5% overdue interest per month is not terrible, but overdue fees, late fees, various collections and threats.

Those days were the darkest days of my life. My family contact wrote about my dad and harassed my hometown police station and my dad. I am ashamed.

I can't bite the bullet and pay back the money. At that time, I went back to work with a monthly salary of 3-4 thousand yuan, which was only enough to repay part of the interest. If the principal of Bank of Communications is less, I will pay it off in one lump sum.

After two or three months, the other two cards paid various late fees, and the accumulated interest reached the principal. However, all kinds of dunning calls are still overwhelming, and it is not negotiable to pay off the principal immediately. Fortunately, at that time, my father had the transfer money of the homestead, so he helped me pay back the principal of two cards, one was 10000, and the other was more than 6000.

After this incident, I thoroughly understood the "credit card". If you borrow 1 1,000 yuan, you will have to pay back 20,000 yuan last year, and the huge profits will reach 1 1,000% annually. All Alipay and various funds will be annualized by 3%, which is relatively weak.

Why do credit cards perform so well? In a word, in the fertile soil with imperfect credit environment in China, it relies on the strength of the store to bully customers, improve the chain of soliciting and recycling interests, and devour the hard-earned money of the people at the bottom of society who accidentally fall into the pit.

I would like to ask the card issuing agency, will I still apply for Guangfa Card, CITIC Card and Bank of Communications Card, or will I deposit the money in your bank? At present, there is only one ICBC credit card with a limit of 5000, which is repaid in advance by CAR Inc .. I don't have to worry about how to take out the money and return it. There is no annual fee.