/kloc-what is the role of a high credit card of 0/10,000?
This is an interesting question. What's the use of high quotas? So many people are flocking, does the high amount make people feel more dignified?
It is true that some novice credit card users regard the high amount of credit card as the capital to show off, but experienced players disdain to show off. For them, higher quotas mean more possibilities and more opportunities. Although some diaosi don't have high salaries, with the help of high credit cards, they are proud of their beauty in love, and the shopping malls continue to make money, completing the leap from diaosi to white-collar workers and then to rich people.
If the credit card limit is insufficient or there is no credit card, sometimes the living can be suffocated by urine. For example, Xiaowu and Xiaomei are in love and intend to get married, but Xiaomei's father asked Xiaowu to pay 200,000 bride price, otherwise it would be impossible. Xiaowu's family is poor and can't get it out. Although he knows that the custom of the woman's hometown is to give twice the dowry, he can't get enough 200 thousand from relatives and friends, and he can only love Xiaomei. If he has a credit card limit of 0.2 million/200 thousand, he doesn't have to worry. He will spend some handling fees to turn 200,000 yuan into cash for his future father-in-law, and marry Xiaomei home first. Then use 200,000 of the 400,000 dowry brought by Xiaomei to pay off the debt. He not only married a wife for nothing, but also gained 200,000 yuan.
If you can't raise 200 thousand, no matter how deep your feelings are, it's inevitable that the bamboo basket will draw water with a sieve. This is not an alarmist. The year before last, a man in this city couldn't afford a bride price of 200,000 yuan, and his pregnant girlfriend was immediately taken to have an abortion by his father.
You get what you pay for. This is an old saying and a cruel reality. Credit cards may not completely solve your problems, but they can often solve your urgent needs. Two years earlier, when the real-time reimbursement of medical insurance had not been implemented (even now, it was not widely implemented), it was very troublesome to pay a high deposit for hospitalization and then take the documents for reimbursement afterwards. What if I can't get the deposit? Excuse me. What if I can't? Maybe we'll just have to wait till we die. If you have a credit card, you can pay the deposit by swiping it first, and then pay back the credit card after reimbursement. There is a world of difference whether there is a credit card or not.
Of course, having a high credit card is not mainly to deal with these extreme events. More people use credit cards to make money. The higher the amount, the more they earn. Make money with a credit card? Are you out of your mind? What should I do if I lose my money and can't pay my credit card?
Yes, the credit card is a double-edged sword, and the consequences of not returning the credit card are very serious. However, not all investments are high-risk, and some investment opportunities are almost zero risk. This kind of opportunity is rare, but once seized, it may change a person's fate. The premise is that when this opportunity arises, you should have the capital to intervene.
From October 20 14, 1 1/to June 20 15, A shares ushered in a rare bull market in history. In just over half a year, the Shanghai Composite Index rose from more than 2,000 points to more than 5,000 points, and many people made money like running water. Of course, after that, the Shanghai Composite Index flew below thousands of feet, and most people changed from making money to losing money. Only brokers and financial managers have become the biggest winners, brokerage fees have been soft, and financial managers' year-end bonus is too high to believe.
However, I'm not asking you to cash out and stock up. I'm talking about another chance. In the skyrocketing market of 20 14, 1 1 to 20 15, all shareholders earned red eyes. In order to earn more, many people try their best to increase leverage. One way to increase leverage is to open a financing account, mortgage loans to brokers with the stocks in the account, and buy stocks with the borrowed money. Some people rely on leverage to speculate from a million to a market value of over 100 million. But there is a threshold for opening a financing account: a securities account must have more than 500,000 assets. More than 80% investors can't meet this requirement, but in that exciting market, many people want to open it. I have a bold friend who sees business opportunities. He took out 600 thousand from his credit card and cooperated with the manager of a securities company to help people open financing accounts, each of which charged 3000 yuan. He is responsible for paying money and advertising, and the manager is responsible for opening accounts and keeping an eye on customers' accounts. Put 500 thousand into the customer's stock account, you can open a financing account in one or two working days, and then get the money back, and the capital cost can be ignored. And there is almost no risk, and every move of the account is watched by the securities manager. In just over half a year, he opened more than 300 households and took more than 600,000 yuan.
Some people may think that this is a fable, and 3 100 people are driving? You are suspicious because you have never experienced a bull market. At that time, tens of thousands of dollars entered the market, and a daily limit earned thousands of dollars. Many people don't care about 3000 dollars. At that time, I opened a financing account and a Hong Kong Stock Connect (both of which required a threshold of 500,000 yuan), but I met the opening conditions and found no friends. At that time, I also wanted to open another business-the New Third Board. There is no price limit for the New Third Board, and some stocks are up 10 a day, which is very attractive. However, the threshold of the New Third Board is higher and it needs 5 million assets to be opened. As a result, a new third board fund-raising group was born. At that time, the market was that opening a household charged a handling fee of 20,000 to 30,000 yuan.
You can open100,200,000 yuan to easily change the package, which is super profiteering. However, even if the handling fee is so expensive, there are still many people eager to try. I am one of them. In order to invest in the New Third Board, I also bought a book to study and just opened an account.
Unfortunately, most of the progress has taken place in big cities like Beijing and Shanghai. No one in this city does this kind of business. I ran to several small loan companies, and no one believed that there was such good money and refused to take orders. And friends without 5 million can't help me. Of course, fortunately, it didn't work out, otherwise the stock market crash would be miserable. However, no matter whether the stock market goes up or down, people who open accounts with advance funds will always have rich benefits. If you had money and customers at that time, it would not be a problem to earn millions. The point is, there is almost no risk.
Tell me another case that I experienced personally. 2065438+May 2005, Xincheng B-share issued an announcement to delist from B-share, which was absorbed and merged by Xincheng A-share and re-listed, that is, B-share was changed into A-share. According to the announcement, the conversion price of Xincheng B is 1.3 17 USD/share, and each Xincheng B share can be converted into 0.827 Xincheng A share. After the conversion, the issue price of Xincheng A is 9.82 yuan. In other words, if the comprehensive cost of buying new town B is lower than 9.82 yuan of new town A, you will have the opportunity to arbitrage. As soon as the news was announced, Xincheng B pulled the daily limit of 10, and many people were eyeing this arbitrage opportunity. Prudential B rose from $0.40 to $2.50, and then fell below $2 with the A-share stock market crash in June. On July 8, 20 15, a once-in-a-lifetime arbitrage opportunity was born-the word B shares of Xincheng fell to 1.26 dollars that day!
What does this mean? On that day, the exchange rate of RMB against USD was 0.63, 1.26 USD, which was 7.938 RMB, which means that you can buy new shares with an issue price of 9.82 RMB at 7.938 RMB, with a discount of 23.7%! Even if Xincheng A is listed and broken, 23.7% of the safety mat is thick enough, and the probability of loss is very small. What if it skyrockets? In fact, the merged new town A 198% was listed on February 4, with a closing price of 29.35 yuan, almost four times the share price on July 8!
You don't even have to wait until July to 65438+February to make money. On July 8, when Metro B fell, smart investors quickly stepped in. The second day, the daily limit of Xincheng B rose, and on the third and fourth days, it rose by 4%. If you can temporarily raise 3 million yuan to buy, you will only get the first daily limit and earn 300 thousand. There is a discount of 23.7%, and the cash option is 1 USD (if you don't want to exchange shares, you can sell it to the major shareholder at 1 USD). It can be said that the probability of making money is 100%, depending on whether you have bullets ready.
I took part in this arbitrage, but unfortunately I failed. The reason for the failure is that at the critical moment, I ran out of bullets. In the process of New Town B falling from $2.50, I started to buy it prematurely in four batches in June, and cleared it at a loss before dawn.
When this super buying opportunity was discovered on July 8, there was no money in the account. At that time, I considered selling A shares in my account, but it was too late to change RMB into US dollars. In addition, I was on a business trip in other places, and I had no conditions to withdraw money from my credit card, so I had no choice but to miss the opportunity. This is my most regrettable miss. Unfortunately, this opportunity doesn't only exist for a minute or an hour, but all day. On July 8, Xincheng B fell all day. As long as you have money, you can definitely buy it. If I hadn't been on a business trip that day, I would have borrowed hundreds of thousands of dollars. Unfortunately, nature makes people.
Opportunities only favor those who are prepared. 100% There may be few opportunities to make money, but there is never a shortage. What is lacking is people who are prepared. Raise a soldier for a thousand days, and use it for a while. Credit card, sometimes a soldier, seems to be ok without him in peacetime. When the war comes, he can defend his country and expand his territory. Credit card is a soldier, and high credit card is equal to many soldiers. Never heard of Han Xin ordering soldiers-the more the better?
Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.