2018.03.05 07:14?

In last night’s class, the teacher talked about a case.

A sister called her teacher and said that she cashed out more than 300,000 on her credit card every month and was exhausted. I don’t even want to use it anymore. But no matter what, I owe more than 300,000 yuan to the bank and have no way to pay it back. The monthly handling fee for cashing out is more than 2,000, and this more than 2,000 has become a burden.

This is also the attitude, perception and usage of credit cards by many people. Many people think:

Credit cards are only for emergencies!

Credit cards are only used for advance consumption!

Credit cards are just cash cards for you to purchase and stock up on goods!

For those who are used to cashing out, they want to cash out once and then just leave the card there and not use it.

Reapply when needed. Completely entering a vicious cycle.

Then I became heavily in debt and talked about the situation.

I want to say: You misunderstood credit cards.

A credit card is not a tool for making huge profits, nor is it a tool for overdraft consumption. It is just a medium for you to communicate with the bank. When you don’t have enough resources, you can enlarge your credit leverage and make your credit enough money.

I also believe that when you have enough credit, your life will naturally not be short of money.

Credit card is a financial tool, a borrowing tool to leverage funds.

He is not right or wrong, it is just whether our cognition is neutral.

Banks issue credit cards and never teach us how to use them, so we use them indiscriminately.

That’s the sister in front.

The teacher asked her if she had made any withdrawals on her credit card so far?

She said: No.

The teacher told her that in Qianhai, our credit card limit increases the more we use it.

We have Ah Xiang from Guilin, whose quota was raised from 5,000 to 300,000 in two months. There is also a young handsome guy who used more than 2,000 yuan to 700,000 yuan in more than a year. There are too many such examples, and the credit of every Qianhai person is constantly growing.

And the sister who cashed out, after so long, what result did she get?

I want to tell you our secret: build credit. What you see on the surface is that the credit card limit has been increased, but in fact, this person's credit in the bank has been improved. There are many people out there who have no credit, are unable to move forward, and cannot even get a card.

Why?

The two words in front of the credit card: "credit". That is to say, today you have a credit score in the banking system. You need to build this credit score yourself.

How to build, learn! No one is born with it. When you enter the right circle, you will learn the right knowledge and live the life you want.

My daughter started school today and I have to wake her up quickly. A mother born in the 1970s, Xiaobai studied finance. Welcome to swipe me. If you want to study with me, please leave a message and I will reserve a place for you.