But for people who lack self-control, the existence of these is a kind of "catastrophe", which people do not agree with.

Why do you say that?

1.JD.COM The interest on Bai Hua IOUs and credit cards is too high.

How many people have carefully calculated the interest rates of JD.COM Bai Hua IOUs and credit cards?

Take Huayuan as an example, the interest rate for the third phase is 2.5%; Phase 6 is 4.5%; 6.5% in the ninth period; 12 is 8.8%.

Bank three-month time deposit rate1.35%; 6 months is1.55%; 1 year interest rate is1.75%; The interest rates of 2-year and 3-year time deposits are 2.25% and 2.75% respectively.

For ordinary people, compared with stocks and funds that have investment risks and need certain financial knowledge, the most stable and highest interest rate investment method is national debt.

However, the interest rate of national debt is about 4% for three years and 4.4% for five years.

However, Bai Hua's interest on the 6th installment (6 months) exceeds the income of the 5-year national debt, so we can clearly see how high the interest in Bai Hua is.

High-return investment methods are hard to find, but methods that can help us reduce high losses are readily available.

As long as we stop spending money, IOUs and credit cards, it is equivalent to stopping a lot of money.

2. Continuous use of credit card products can easily lead us into an endless repayment trap.

Some people may think that many times these credit card payment methods have interest-free activities.

This can not only alleviate the short-term economic tension, but also use the time difference to throw money out. Yes, it is really good for us in this respect.

However, we do not completely deny the existence of flowers, white stripes and credit cards. We just think it will do more harm than good to many people.

Except for a few people who are good at using credit card products reasonably, most of the flowers, white bars and credit card arrears are loans generated by personal consumption.

Because credit card products have the function of installment payment, we can buy products beyond our current purchasing power with a small amount of money.

Buy an Apple mobile phone today 12 installments, and buy a brand-name shoe tomorrow for six installments. . . Accumulated one by one, he is not a small sum, but a large sum.

At the same time, this habit of spending in advance will last longer than our habit. We pay off the card debt every month, buy things by stages, and continue this kind of consumption endlessly.

In a short period of time, we rarely have the opportunity to pay off these debts in one lump sum by substantially increasing our income, so how can we save the first bucket of gold?

Using credit card products will increase the economic pressure of our middle age.

For those who have money, white stripes and credit cards, high income does not necessarily mean that they can no longer owe money.

It is more likely that the income is higher and the debt is higher. This is a problem caused by people's confidence in their ability to make money.

This kind of people think that "money is earned and my future can be expected", so they continue to fall into the "arms" of flowers, IOUs and credit cards.

One of the hot topics on the Internet today is the "middle-aged crisis". The age of middle-aged crisis has gradually changed from 40 to 50 to about 35.

Generally, I graduated at the age of 23 or 24, and my income peaked around the age of 30. However, by the age of 35, most people's income will drop sharply because of the age limit of their employers.

The crisis of middle age not only means the decrease of income, but also means the increase of family burden. The cost of mortgage, car loan and raising children is like three mountains on people's backs.

If we still have credit card arrears because of personal consumption habits, then there are four mountains on our back.

In case we are unfortunate enough to encounter unemployment or other changes in middle age, the economic pressure we face in the middle age crisis is even greater than before.

So, that's why we should advise you to stop spending money, IOUs and credit cards.

It is difficult to save money and invest in financial management, but stopping these high-interest credit card products can not only help us save money, but also be an important step for us to establish the concept of financial management.

Please think carefully: Do you really have to use flowers, JD.COM white stripes and credit cards?