Nowadays, especially those friends who have just started to work hard, I don't know if you feel that no matter how hard you try to make money, you always feel that the money you earn can't meet your usual living conditions. Why? The reason is simple, that is, the debt ratio. If you have a credit card, I suggest you never use it, because I am a debt-ridden person tortured by credit cards and online loans. Many people say that it is the credit age, and it is better for anyone to borrow money from the bank, because as long as you have good credit, the bank will lend you money at any time. But here I want to say, as long as you still have some connections, don't go to the bank to borrow money. Although it is a credit card, although the monthly fee is not high, every time you start the first one, there will be a second or even a third one. Slowly, you will feel that the income you earn can't meet the debts you owe, and you will even start the idea of robbing Peter to pay Paul. My friend, I'm here to tell you that if you get into this kind of debt, you must control your consumption and insist on paying it in installments, one by one. If you think you are still resisting, one day, your wallet will be empty. Do you want to know why no matter how hard you try to earn money or save money, you always feel that money is not enough? Because every hard-earned money you earn is given to the person who gave you a credit card, to the person who recommended you to run a pos machine, and to the bank. Think about it, you take a little hard-earned salary every month and finally give it to them. Where did you get the money? In my opinion, credit card is used by banks to facilitate people's consumption and emergency, and it is by no means a bargaining chip for starting a business or buying a house or car. In that case, you are wrong, because every time you swipe your card, your income will be greatly reduced. Those who once sold you pos machines, banks are all profitable. Remember, credit cards are used for spending, not for buying other things. Credit cards belong to the rich, and the poor try not to touch them. Finally, remind everyone to beware of telecom fraud, use their credit assets rationally, and try not to pay the payment company. If you are a person with poor living conditions and can't afford this salary, you might as well use your monthly income to pay back the bank bit by bit. For all debtors now, I am here to tell you that when you are unable to repay your debts, you must remember to contact the bank you owe for installment, so that your debts will become less and less. The pressure will be less and less!