Have you been hit by the three major symptoms of slaves? Speaking of slaves, the image of buying a credit card will soon come to mind. The next editor introduces three typical symptoms of slaves. Have you been shot?

1. Blind printing of cards and unlimited borrowing

But consumers all pay with credit cards. When they see what they want to buy, they can’t take out their cards and swipe. They can’t see the money flowing. In fact, cards are on the verge of exploding. Many slaves cannot control their consumption desires and waste money. Credit cards are not debit cards and must be returned after printing.

2. Repay the minimum amount frequently

If you have many years of credit card debt, you should use the minimum payment when you cannot repay it. This is a big no-no! In the short term, the minimum repayment does ease the repayment pressure and does not affect your credit history. However, the interest rate of this repayment method is extremely high and you cannot enjoy the exemption period. The interest is calculated from the day of consumption. In the long term, you have to repay the card every month. Debt, but not repaid every month, is a bottomless pit.

For example, you spend 10,000 yuan with a credit card, but your monthly salary is only 5,000 yuan. If you only repay 1,000 yuan before the repayment date, The bank will charge interest on the remaining 9,000 yuan of card debt, the full interest of 10,000 yuan from the date of swiping the card, and the daily interest of 50,000 yuan until the 10,000 yuan is paid off, no matter how much is paid back The bank will charge interest on 10,000 yuan.

3. Process n credit cards and use the card to maintain the card

Use the card to maintain the card is to withdraw cash or jacket from a credit card. Return another card. Many cardholders think that this can keep moving funds, but the method of demolishing the east wall and replenishing the west wall is very risky. It seems that the bank is constantly spending money, but if you use a credit card to withdraw money, the bank will charge a handling fee And interest, the withdrawal interest is 5/50,000 of the cash amount collected every day, and the interest is calculated using compound interest every month. If you withdraw it with a credit card, the risk will expand infinitely

If you often use the above three methods A credit card shows that you have been kidnapped by a credit card. This is a typical slave. The editor of Rong360 recommends that credit card consumption should be based on your actual situation, swipe the card reasonably, and do not become a debt-ridden slave.

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