He Ping said: "It must be reasonable for her to leave without saying goodbye. Don't worry. "
Xiaoyan said, "You don't understand. She lent me 500 yuan and just didn't want to pay it back? "
"You don't mention, I forgot. Then Yue went back to my office and I locked it in the drawer. I will remember to take it home tomorrow. " He Ping said.
"You ah you, you almost let me misunderstand Hung Yue! I don't mention it, what bad things do you want to hide? " Yan laughed at her husband.
One day after half a year, Xiaoyan received a call from Yue Hong from the south. She said sorry that she left in a hurry. Xiaoyan borrowed 500 yuan and never paid it back. It was just sent to her today.
What the hell is He Ping doing?
Yan is very angry. When eating, Xiaoyan submitted to humiliation and told Yue Hong about the morning call. She asked He Ping 3360, "What play are you singing?"
Knowing that He Ping listened, he said in surprise, "Yue Hong is really not that shameless person."
"You are serious!" Xiao Yan is adamant.
He Ping sighed and said, "Don't you know? I borrowed 500 yuan from Kyle at work. I want to pay for Yue Hong and pay for you. "
"Why are you doing this?" Yan is even more surprised.
"For you." He Ping said softly, "Xiaoyan, after you get married here, you can say that you have no friends, only Yue Hong is your confidant. I don't want you to leave a shadow in your heart for 500 yuan. I thank her for hoping that Yue Hong will still be a good friend in your mind. As long as you feel better, isn't it worth spending 500 yuan? "
This sentence touched Xiaoyan. "But I almost wronged you."
He Ping began to giggle again. "I am willing to be wronged by my wife."
Early the next morning, Xiaoyan put the money into her husband's pocket and said, "Pay back the money I owe Marco quickly, and don't let me earn a reputation as a fierce wife." You take the rest. How embarrassing it would be if a person had no money in his pocket. "
Related Q&A: Related Q&A: How to repay the credit card? How can I save money and hope to share it? As an eight-year-old card slave, I think I have a say in this, so I will tell you how to repay and save money in a practical way, so as to ensure that everything is dry goods.
1. Adjust the billing date to obtain the maximum interest-free period.
Credit cards have two very important dates, one is the billing date and the other is the repayment date. The so-called interest-free period refers to the period from the bookkeeping date to the next repayment date. For example, the billing date of my Bank of Communications is 15, and the repayment date is 9, so the interest-free period is 54 days (for example, the billing date is 10, 15, then the bill after 15 is 165438+ 10). Understand this truth, that is to maximize the use of interest-free period. How?
For example, if you have five cards in total and a month is 30 days, then you can adjust the billing date of five cards to six days, such as 1, 7, 13, 19, 25, so as to ensure that one card will arrive every six days, so as to make maximum use of the interest-free period.
How to operate? You can use the credit card App or call the credit card customer service phone directly, which is very convenient.
2. Change the way you swipe your card
(1) You can help your friend swipe his card and ask him to give you the money. You can also swipe his card when you need to purchase and consume at work, which directly saves the handling fee for swiping the card, and it is all real consumption, which is conducive to the increase in the later period.
(2) If you swipe the pos machine, you can scan the code within 1000 yuan, and the handling fee will be lower. The rate is 0.38, that is, the handling fee of 1 ten thousand yuan is 38. The advantages of this brush are low consumption and low rate, which is conducive to raising the amount and will not be reduced by the wind because of the large amount of TX. Small amount and multi-proportion is the preferred way for banks to swipe their cards. I have swiped it for more than a year, and there is basically no risk. I also have several cards.
(3) You can pay more attention to some credit card activities. Some people can earn red envelopes or points after spending. For example, at China Merchants Bank, if you swipe your card 18 yuan, you can get a red envelope deduction; if it is less than 1 yuan, it will be deducted from 3 yuan if it is more than 1000 yuan. CITIC Bank also has activities of swiping cards and scraping red envelopes. Although not much, bonus hunter often saves a lot of money.
(4) redemption of points. Many people order too much and don't know how to use it. If it expires for a long time, it can be converted into cash, especially some high-quality cards, or it can be converted into a considerable amount of money.
3. Participate in the best commissioning activities.
In order to encourage customers to installment, banks will occasionally introduce some credit card installment fee concessions. For example, my Bank of Communications recently offered a 3. 1 installment fee discount. After calculating that 5,000 yuan is divided into 12 installments, only 1 1 yuan is needed every month, while normal installment requires at least 30 yuan to 40 yuan. Is it cost-effective? This not only saves interest, but also increases the time of capital utilization, establishes a good cooperative relationship with banks, and is also conducive to increasing the quota. Therefore, it can save a lot of money to pay more attention to whether the credit card has installment preferential activities.
4. Repayment can be postponed appropriately.
Don't pay the loan immediately after the bill date. Generally, there will be an interest-free period of ten or twenty days after the billing date, so you can repay in the last day or two, or it is ok to repay after one or two days of interest-free period. Many banks have a three-day grace period, which is not overdue, but not all banks have this policy. You'd better consult. But don't do it unless you have to. At the latest, it will be on the accounting day.
5. Participate in credit card prepayment financing.
Now many banks have this function, that is, if you have repayment funds in your hand, but the repayment date has not yet arrived, you can deposit the money in advance, which will not only make a profit, but also automatically repay the money when it expires, without worrying about forgetting and causing overdue. This premise is that you can participate in the case of abundant funds and get a little profit.
Finally, I strongly recommend a credit card management app, which is the China UnionPay Express issued by UnionPay that everyone often sees. The function is very powerful, and you can intuitively see when the bill is issued every month, how much you need to pay back, and how many days it will take to repay. Very convenient and practical, especially in the case of more cards, very convenient.
These are some tips that I have summed up myself over the years to save money on credit card repayment. If you spend a lot of money every month, you can really save a lot of money. I will share so much with you, hoping to help you. But I still advise you to use your card moderately, or you will become a card slave like me. If you can't get it in the short term, you can only study these doorways to save money.
Credit card is a double-edged sword. If used well, it can bring you a lot of convenience and opportunities. If you don't use it well, it's a bottomless pit, which makes you uneasy in debt all day. The above is just my personal opinion of using credit cards for so many years, which may not be correct. I hope everyone can communicate with each other and have any opinions.