I owe 3, yuan. I think it's already very difficult for the owner to repay!
first, stop swiping your card! Prevent the hole from getting bigger and bigger!
Call your card issuing bank, acknowledge the current debt, and be willing to pay it back. However, due to business failure and other reasons, it can't be paid off in a short time. I hope to negotiate a solution with the bank! Remember, your attitude is the basis for deciding whether you can get a personalized solution in the future!
the second step is to consider the repayment arrangement according to your work income. It doesn't matter if the income is less at present, do what you can to increase the source of income, and at the same time save all unnecessary expenses and buy a financial management with capital preservation! "Open source and reduce expenditure" is the economic basis for you to repay as promised!
Step three, prepare for the worst! If the bank rejects your negotiated solution, you should make two preparations! One is to continue to call and try to negotiate, and the other is to clarify this matter with family and friends, hoping to get help!
finally, it is suggested that the subject should not go too far! Do your best to pay off your debts, maybe you can have unexpected life gains in the process!
I owe 3, RMB to my credit card, which is quite a lot. Of course. anyway, let's ... The first thing to think about is how to return this credit card. Because thinking about anything else is meaningless and useless.
then 3, RMB is really a big sum. Where did the landlord use this money? Let's not pursue it. What we have to do now is to pay off all the money as much as possible.
If the money from the credit card is not returned for a long time, it may lead to the crime of credit card fraud. In this case, you are likely to go to jail. This brings a very bad factor to the landlord. Then let's try our best to return his money.
try to pay off all these small credit cards first, and then cancel them. Then you will never use these small credit cards. Then, for those large credit cards that owe a lot, do you still try to repay them in installments? Divide it as long as you can, because the longer you divide it, the less pressure you have on repayment.
In a word, the money must be paid back anyway. The landlord is wondering how to be opportunistic and how not to pay back, which is absolutely impossible.
thanks for reading, please add my attention.
I paid a down payment of 2, yuan with a monthly payment of 3,3 yuan, followed by a parking space of 9, yuan. At the beginning of the year, I bought a business car with a monthly payment of 2,6 yuan by swiping another 4, yuan because of business needs. Now, except for the mortgage car loan, I owe a credit card of 34, yuan, and the average card is more than 18, yuan a month. Those who fail to get the card can write to me privately. I will give you a reliable pos machine and share my methods. I hope I can help
it's just as good as heaven to pay back the debt. If you owe money to your credit card, you must pay it back. Suggestions
1. First, talk to the card issuing bank to discuss how to repay the loan, so that you can afford it and not break the contract again.
2. If you want to borrow money, I suggest you borrow it from your parents, sisters and brothers, that is, your relatives who are unlikely to be forced to borrow money. Never go to repay the card arrears and various social loans (usury) to borrow money and repay the money, otherwise you will fall into a fire pit.
3. We must pay attention to the credit card arrears, and pay close attention to it. Besides the bad credit record, we may be accused of fraud and bear criminal responsibility.
4. In the future, we should strengthen the planning of spending money and consumption, and spend money and consumption within our own capacity.
I wish you solve this problem as soon as possible, work hard and earn money, and all the best!
the credit card owes 1, yuan
Let me talk about my personal opinion: 1. According to your actual situation, if it is not overdue, I advise you to hurry up and don't hold on. Even if you raise a card with a limit of 3, yuan, you will need about 3, yuan per month. If the minimum interest rate is 4,-5, yuan per month, your hole will get bigger and bigger, and it will be a matter of time before it is overdue. After 9, the credit card will be overdue. Plus, the credit card risk control was inexplicably reduced at the end of last year and the beginning of this year. Don't worry about the interest and fines after the overdue period, because your current situation is useless, and your life is very difficult. What you have to do is not to lose contact after the overdue period, explain the situation to the bank, and pay a few dollars a month, and then negotiate in the future when you have money.
2. Your credit card has been overdue for one year. If this situation may lead to bad debts, don't worry about the bank suing you if you guarantee your life every month. It's useless, even if you have no money according to your situation, there's nothing you can do, but life will go on. People can make money if they are alive. Don't think about it, just think that people all over the country owe 5 thousand, and your heart will be balanced. Remember not to go on. I hope I can help you! Good luck!
At present, many people owe credit cards, ranging from hundreds to thousands, and from tens to hundreds of thousands. Have a plenty of excessive consumption, have a plenty of overdraft business turnover loss. In the end, they all became slaves < P >.
Many friends around me have become slaves, and two owe more than 3, yuan. But the status quo of the two people is very different. The first one is to call him Xiao Jia. Xiao Jia is high flyers who graduated from a key university. After graduation, he was admitted to work in a government department. However, he has no resource relationship and has always been a general clerk. My parents helped me buy a house and bought a car with a loan of more than 1 thousand from my wife. Originally, the living conditions were not bad, but Xiao Jia, who works in the government, had little work pressure and more free time. She tried to go out with some friends to play mahjong and fry golden flowers, and gradually became more and more involved. As a result, she got stuck in it. She just started to borrow money from her relatives and friends, and then she began to set up credit card money and consumer loans behind her credit card to gamble and pay off her debts, and finally fell completely. The house was mortgaged, the car was sold, and the daughter-in-law was divorced. Because she owed too much money for too long, she was sued by the bank and lost her job. She was sentenced to five years and is still in it. My parents live in Lacrimosa all day. Friends around me feel it's a pity.
Another friend is called Xiao Yi, Wen Pin, a junior college student. His parents are ordinary workers, and his family is not very good. He just graduated and luckily entered a large state-owned enterprise. He worked steadily for several years, got married and had children for a long time. Because of Wen Pin's relationship with people, his expenses have gradually increased, but he is not mediocre. So he considered resigning repeatedly and starting a business in the sea. Now business is not so easy. The income has decreased, the business has not improved, and there are more and more slow cards (all cards are used in the back, and cards linked by friends' companies), and the card debt is also more than 3 thousand. However, Xiao Yi may be more resilient and dare to work hard because of his small family. Since I found that the monthly cash flow cost is not low, I began to use my spare time to learn to raise cards and bank wool to reduce the cost loss. On the one hand, the card debt is divided into stages, and on the other hand, it is repaid on time or in advance (although the interest-free period of the funds is short and the cash-out cost is high, the overall credit information shows that the debt is low), so the cards in hand are often raised, which increases the utilization rate of funds. In addition to doing these things, Xiao Yi also made some investments in his friends' furniture business, got low-priced vouchers from friends and sold them to people in need to earn the difference. Because the popularity is good, friends are willing to help, and sometimes a set of mahogany furniture will have tens of thousands of difference profits when it is changed hands. After more than two years of hard work, Xiao Yi finally went ashore, paid off the card debt, and invited our friends who kept helping him to eat and drink in the sea that day. Xiao Yi cried in tears that day. Think about the years when he was in debt. Xiao Yi worked hard to make money every day and every night. Now he is finally liberated. We are also sincerely happy for him. We can understand why a big man cries so earth-shattering. Now, Xiao B's business is on the right track, and the credit card funds have exceeded one million, which is also a winner in life among civilians.
two friends, the same card debt, but the ending is very different, and we are also crying.
more than 3, yuan, talk too much, talk too much, already owe, then face it positively, do it by stages, delay the pressure of monthly repayment, repay it on time every month, work two more jobs, increase income, only when you have income can you fill the deficit, put down your posture, be lazy, and take action. The worst thing is begging, and you will eventually get ahead. Debt is not terrible, as long as you have a hard-working heart, money is not used on the wrong road, plus reasonable planning, study hard, there will always be a day to go ashore.
Don't worry, just let nature take its course. It's not enough. If you live a good life every day, there is really no way out. Then go to crime, at least it will make you valuable. Find a collector and cut him down, which will cost him your life. I plan to do this. On the way to Tianjin, a collector is dying.
1. Fully control consumption
If you want to save yourself from credit card arrears, the first thing you have to do is to control your own expenses. In the future, everyone should learn to live a "tight life", reduce unnecessary payments as much as possible, and maintain basic living expenses.
2. Extend the repayment period
If your current credit card bill can still be installment, then apply for installment. Generally speaking, credit card bills can be divided into 12 installments, and some credit cards can be longer. In order to alleviate the current repayment pressure, everyone should divide all the installments into stages and determine the number of installments according to their future repayment ability.
In addition, when you return the credit card bill, you can choose to use the minimum repayment amount to repay and extend the repayment period.
3. Increase your income
In order to pay off the credit card debt and help yourself, everyone needs to increase their income. You can use weekends and nights to find a part-time job, so that you can earn more every month.
4. Sell your property
In order to save yourself, everyone needs to give up what they have, and sell some valuables in exchange for some cash to pay back the credit card debt.
5. Ask for help from parents and relatives
Faced with bills that are due soon and cannot be delayed, everyone can only ask for help from parents and relatives and borrow a sum of money from them for emergency. Although this is a shame, it is much better than being tainted by credit reporting or even becoming a black household.
I hope my answer can help you.