Nowadays, more and more people use credit cards, and many people even hold multiple credit cards. Many people solve the problem of financial difficulties through credit cards, which also facilitates daily consumption. However, because credit card consumption is not as impressive as paper money, even if a lot of money is spent, it is just a bunch of figures for some cardholders and has no practical concept. In this way, it may cause some card friends with weak self-control to over-consume, or even completely ignore their own economic conditions. Once you wait until the repayment date, you will know that you haven't paid the bill yet! In desperation, we can only use the card to raise the card to ease the repayment pressure. However, raising a card with a card can't help you get rid of all your debts, and even make you really fall into the ranks of card slaves. If you want to get rid of the slave life, you must learn how to save yourself!

First, control consumption desire.

In addition to the urgent need to use money to save the emergency, the main reason for not paying back the arrears is excessive consumption. Therefore, in order to truly get rid of slavery, we must first find out the problem from the source. The most important thing is to control your consumption desire and consume reasonably. You know, the money owed to the credit card will eventually be paid back. According to your actual economic situation, re-plan your living expenses, control the overdraft limit, and ensure that you are within the repayment ability.

Second, make a repayment plan.

If there are a large number of credit cards, and many of them are in arrears, it is best to start with the least number of cards. Whenever you pay your salary, you need to control it reasonably according to your arrears. No matter how much you withdraw, you must pay back the card with the least debt first. Because if each card is paid back a little, it may take a long time, and finally all the cards are in arrears, or even one card is not returned. This is not conducive to the debtor's enthusiasm for repayment. And when you return a card, you will feel that the repayment pressure is a little lighter, so you have the motivation to repay. If the next card continues to repay in this way, the repayment pressure will become smaller and smaller.

Third, change consumption habits.

In the case of large credit card arrears, it is best to use cash as much as possible. Because only by paying in cash can we really feel the flowing state of spending money. Only by realizing this real consumption can we have the consciousness of rational consumption.

Fourth, reduce the number of credit cards.

Usually, card slaves who owe a lot have a typical feature, that is, they hold too many credit cards. Because I want to repay the loan by leaving a card, I will rob Peter to pay Paul, resulting in more and more credit cards. Too many credit cards are not only difficult to manage, but also easy to forget the repayment time, resulting in overdue. So credit cards must be cleaned up in time, and credit cards that are of little use to you should be cancelled in time, just two or three.

Although credit card can make you enjoy the convenience of spending in advance, swiping the card does not mean that you don't have to pay it back. Therefore, it is necessary to spend credit cards rationally. If you feel that your self-control is limited, you can do less cards. If you have become a credit card slave, don't be too pessimistic. As long as you know how to save yourself, even if you become a slave, you will turn over one day.