Credit cards have ruined a generation of young people. Credit cards are vampire demons

Don’t say it like that. Credit cards are sometimes very convenient. Everyone’s usage habits are different. As long as you Just don't spend money lavishly, just be able to control it. It's definitely not possible for those who can't control it. If your credit card is maxed out, what can you do? It’s just that the way you use it is different, and no one forces anyone to open it. It’s all opened by the hospital itself. No one or anyone forces it. Many things have two sides. Some are good and some are bad. If you think it’s not okay, , then just cancel it. You can cancel it and change it according to your own situation! You can change yourself, but you cannot change anyone else. At least many people around me use credit cards. Credit cards are good for emergencies, and sometimes they even cash out. As the saying goes, there are good things and bad things, and there are advantages. Disadvantages, if you can control it and use it according to your spending power, there should be no problem

How are you doing now if you insist on using a credit card?

I have been using credit cards since I left school. I was ignorant at first and got involved in Guangfa and China Merchants Bank. I often swipe cards when I don't have enough money, and pay off the other card if I don't have enough money. The fact is that the consequence of doing so is that the balance on the two cards is increasing. But I am still the kind of person who can control myself. Later, as my salary increased, I paid off the two cards, then canceled the China Guangfa card and kept the China Merchants Bank card.

CMB card points never expire, which is why I stay. I believe everyone knows what will happen if your credit card is overdue, so I won’t go into details. As long as you maintain good credit, one will increase your credit limit, and the other will be processed by you, and it can usually be approved in seconds without you having to provide anything else.

Take buying a car as an example. My colleague has never used a credit card. When he buys a car loan, he still has to fill in the information and apply for a certificate. After that, he still has to deposit the green certificate of the car with the bank, and if he installs a GPS on the car, you still have to pay for the installation fee. When I bought a car, it was checked through my ID card and my credit card usage record. There were no overdue loans and the loan was approved instantly. I also got a green book when I picked up the car and there was no GPS installed. Moreover, after my colleague finished paying off his car loan, it cost him 200 yuan to have his green book mailed to him.

If your funds are a little tight, that is, you don’t have enough this month, but you can make up for it next month, it is still beneficial to use a credit card. You can swipe your card this month and pay it back next month when your salary is paid. If you spend money in advance, you can pay it back in time without interest. Of course, it’s still not cost-effective for you to pay in installments.

I am short of money for renovations this year. The credit card center contacted me and offered me a loan with a 50% discount on the interest rate, which is just over 3 points. It's quite cost-effective to pay it back in installments, which is better than owing a favor. I have maintained the habit of swiping my credit card every month.

In general, there are good and bad credit cards. But the bad part is only due to your own personal reasons. Credit card is available. But you need to know your income and consumption clearly, and don’t swipe your cards excessively. As long as I don't get there, I don't think there's anything wrong with anything else. You must remember how capable you are of accomplishing great things! ! !

I applied for the Guangfa Platinum Card in 2013. I didn’t want to link the car and house to the card information. At that time, I was only given a limit of 20,000. Now the limit has been increased to 150,000.

I just insist on using credit cards. Currently, the limits of many credit cards have been increased a lot. Some card limits have been raised to the upper limit of the card. The money is only used this month and the repayment is due next month. It is paid before the due date, never overdue, and does not handle installment business. It is currently in good condition

Nowadays, when people talk about credit cards, they are like devils.

Whoever uses a credit card is not a good person.

If you have no money, you still use a credit card to pretend to be wealthy.

In other words; so and so owes so much, and how do they collect the debt?

How many people have been harmed by this thing!

What I want to say is, some of my own experiences and methods

As long as this thing appears, it must have its use

Because it has This thing appeared only due to demand

Everyone has one or two credit cards now

Everyone has a different perception of it,

Naturally the results will be different.

As long as the method is on the right track, it can be said to be your thousand-mile horse

It can take you to the battlefield.

Sometimes you have no concept of consumption, and it is comfortable. Seconds are seconds

Hold it all day long, eat and drink as much as you want, and spend freely

It will naturally not lead you forward, but will drag you down

Because you yourself have violated its meaning and mission

Let’s first understand how the credit card appeared, why does it exist, and its share is still so large?

How is it different from normal bank card consumption?

It is a preferential activity launched by major banks in conjunction with merchants for their own markets.

If you use my card to make purchases here, I will give you a discount

Later, people gradually developed it independently,

Emergency consumption Pay.

This opens up a whole new direction.

People are cashing out like crazy, and the amounts are getting bigger and bigger.

The nightmare began.

As a result, the arrears increased, and I finally fell into deep debt

I only started using my credit card in 2018.

When people recommended it, I refused in my heart

It wasn’t until I encountered that incident that I,

researched credit cards in depth, and I didn’t expect it. Later, he became my Bole, my best friend, and even gained love.

It was in the second half of 2019, because the little girl’s foot was hit by a car on the sidewalk during a rain, and the foot was directly fractured.

My parents were building a house at home and came to the city overnight.

I was the first one to arrive. When I arrived at the hospital, people were already in the operating room and the operating door was closed. It was deserted outside, with no one around. After a while, a traffic policeman came, asked about our relationship, told us what happened, and then left.

Later the nurse asked me to pay the fee. I remember I had about more than 10,000, so I paid 5,000 first.

I sat at the door of the operation, and no one came until the operation was over.

My parents also arrived in the early morning. Looking at my little sister, my mother just cried and said something sinful.

My father burst into tears and asked me about the situation.

I asked which car owner had been here before, and I said no.

That’s it for the old couple, who take care of each other alternately, because the hospital can only keep one person at night.

The next day, the hospital pressed me to pay, saying that the money was gone.

My dad asked me, the money you paid was still paid by the car owner,

I said, I haven’t met the owner of the car yet.

My father took out three thousand yuan from his pocket and said you should pay it first

I gave him the remaining six thousand yuan I left an extra thousand yuan for the old couple

I paid over eight thousand yuan. I thought the car owner would send the money in two days, but I didn't expect that I was overthinking it.

The money will not last long, it will be gone in a week, and money will be needed in the future.

I stood at the door not knowing what to do. Listening to my mother’s voice calling to borrow money, I felt like crying.

My parents raised me. I work and earn money, but I still can't support a family at the critical moment. At that time, I particularly hated the car owner. Why did this happen to our family? My little sister suffered, and the whole family was confused about money.

Because my family just finished building the house, they already have no money. The money to build the house has not been repaid, and there is no money left to borrow money from others.

No way. That will be given to classmates.

As long as you know your colleagues and have called them, you will understand that only when you borrow money can you see everything clearly. Borrowing money is the most painful thing, I don’t want to recall that scene.

My colleagues said you can use a credit card. Anyone who can lend me money is a benefactor in my heart!

In this way, I gradually applied for three cards. Later, the little girl gradually recovered and returned to her hometown to recuperate.

The insurance company also paid the compensation. It was the first time I saw the car owner, who was bald. , a middle-aged man, I didn’t say a word to him, and he didn’t say anything to me, so I just settled the matter,

I also got some joint treatment,

I All the money was given to my family. My parents asked me to take it and said that you spent a lot of money. I said it was okay, I could make money at work.

I know they need the money more than I do.

After I come back to work, in addition to going to work, I also visit various credit card forums, watch videos, and read forums after get off work!

I found that every bank has an interest-free period, some are short and some are long.

I will record that, and then write down the information of each card on paper, and then figure out what day it will be credited to the account, what day it will be credited to the next month's account, and how many days the interest-free period is. I just wrote three big sheets like this.

The date is written on each card. I use my monthly salary to transfer it, and this is entered into the account today. It was credited to the account in two days. Later, time was still tight, so I applied for one.

That’s it, three outstanding cards, one full card, plus monthly salary

Slowly the first one was paid off, then the second, and then the three!

It was all paid off, no interest was paid, and no debt was owed.

I didn’t log out after I paid it off.

Later, a friend borrowed money urgently, but a colleague borrowed it for this month and it was not enough. He had to pay the rent and borrowed money to make a small fortune.

I always pay by credit card. Basically, they are in urgent need of money or need money temporarily.

Slowly, people will be grateful to you, because they don’t know how many times they have hit the wall.

Colleagues will be polite to you because you are a savior

In people’s eyes, you have become a mature, steady, talented and wealthy man, an ideal man in reality. Friends,

Many girls at that time were clearly hinting at it.

My current girlfriend just fights her way out in public!

So, use it rationally and study its policies carefully

I believe you will also have the ability to control it!

Canceling off each card one by one, leaving only one, is necessary for personal credit reporting and business loans. If you have never used a credit card, you are called a white account, and your credit reference cannot be determined

Ahem, I have been a liar for many years, and I just paid off CITIC this year.

I have paid off the principal of Guangfa, but they don’t admit it, saying that they can’t repay the money for three consecutive months, and the principal is paid only once every three months. I paid back every month for two months. Interest, what the hell?

However, I am super grateful for the existence of credit cards. I couldn’t settle down in my heart, and it was GF that supported me and even allowed me to travel to Thailand for 50 days even though I had been living here and there for several years without a job. , is really the happiest stage in life [laughing] Although it is essentially the Creator’s money, I don’t feel grateful to the human executors like some religious thoughts [face covering]

So When I have money, I will try my best to repay it. I feel that I have developed the ability to live a stable life in the present. I will repay it to those who are in the stagnant period of practice.

When you enter high dimensions, you can see how beautiful these existences are. In the material world, it is just an extension of the script of the universe. In the conscious world, it is just the soul cultivating in the process of money coming and going.

I used to think of getting a few credit cards for emergencies.

Then I fell into a trap for various reasons!

Real experience, I hope friends who see this will use the card with caution!

At the beginning, I earned tens of thousands a month, applied for two cards, and used them for consumption. There was no expense at home, and everything was normal. Then the epidemic hit, my income dropped sharply, and my wife was deceived by others. I took out all the money at home and made so-called investments, and then in addition to losing money, I started the painful life of living by swiping credit cards!

Not only did she not know how to stop losses, she also continued to invest like a demon, draining all the money at home and my working capital. Finally, I fell into the pit completely!

She filed for divorce, and I was forced to give up my original job and start working instead. I didn’t want to live a life of owing money, so I worked hard to pay off the debt and then cancel the card!

Credit cards do have their benefits. First of all, you can collect points and redeem credit card points for some daily necessities. The quality is really good. And it can be used as an emergency when funds are tight!

But be careful when using your card! Don't think about using your card to support your card. Most people can't actually do such a cool operation. Such results will become more and more frequent. In the end, the income may not be enough to pay for installments! Don’t always think that there will be no problem now. Think about how you will cope when your income drops sharply!

Over the years, I have been grateful for credit cards, but also afraid of credit cards. It has been painful and happy, tired and nervous?

Starting from the first CCB car owner card, the second card, and the third card ?In the beginning, it was just for consumption. I didn’t spend much in a month, so there was no special feeling. Later, I started to travel frequently, and my credit card was mainly used to buy bus tickets, stay in hotels, etc. My bills started to increase, but it did not affect my life.

The good days did not last long. A bank started calling to sell insurance. Unable to withstand the repeated attempts by the salesperson and the hint that it would help to increase the credit limit, he ignorantly agreed. The total amount of this card was The credit limit is only 13,000, and the insurance deducts more than 900 per month. After one year, the credit limit of this card has almost been deducted [cover face] [cover face] [cover face] When I calm down and want to go back on my word, the insurance contract has been After it took effect and passed the hesitation period, the loss from surrender would be huge. Later, I thought about insurance for critical illness. At that time, my critical illness insurance coverage was still relatively low, and I did not refund it in the end, but I still had to pay back the premium that was deducted that month. ?I paid it like this for nearly 3 years, and the credit card limit did not increase by a penny. Later, funds were temporarily tight for a period of time, and the insurance was canceled, resulting in a loss of 17,800 yuan. Alas, saying too much makes me cry?

I don’t know since when, the bills have been getting higher and higher, and every day is a repayment day. Every day when I open my eyes, I think about where to make some money, and it’s time to pay back the money. Really, tired! ! I'm still nervous at the same time. Anyone who uses a card frequently knows that the card limit is just a credit limit. Since it is a credit limit, it may be reduced or the credit limit may not be granted directly. Can you not be nervous?

Later, it was spread in circles that installments could be made appropriately and the protection fee should be paid. After applying several times and using the card frequently, some banks will start to promote installment plans. After agreeing a few times, they are done. They will call every month, a few days before the bill date and a few days after the bill date. If they don’t answer, they will keep calling. , it’s so annoying that I can’t bear to accept several phone invitations one after another? In this way, the installment fees are getting more and more, and it’s still a word, tired!

Nowadays, I sometimes fantasize that if I win the lottery, I can pay it off at once and then cancel it all, leaving me debt-free. In the end, I found out that this was just a "fantasy", a "dream" destined to wake up! I work hard every day, but I still have unpaid debts, eh? What an eternal sigh

When I just graduated and started working, someone from China Merchants Bank was selling credit cards. The card looked very nice, so I applied for it without hesitation. At that time, the salary was not high, and the credit limit was not high, and it was very new. I used credit cards to buy everything, and I spent a lot of money without knowing it. When it was time to pay back the money, I realized that it would take a month's salary to pay it back, so I started to be restrained. Used.

Later, I applied for a credit card from China Minsheng Bank, which was a co-branded card with the shopping mall I often visited. Basically, whenever I went to buy something in that shopping mall, I swiped that card. After changing jobs several times, I also used it when I needed to transition and ran out of money. The consequence of using a credit card is that I still owe a little [face covering]

I personally don’t think there is anything wrong with a credit card, but you can’t use it too much, let alone use it to support your card. It can give us a buffer when we need money. If you just start using a credit card, you need to understand one of its rules. If it is troublesome, remember to pay it off as much as possible before the repayment date. The most important thing is to use money in a reasonable plan based on your own income, and use credit cards sparingly. It is still very delicious [呲呲]

For the debts you owe, keep a special account book to record each account. You really can’t forget the billing date and repayment date of the card, as well as the credit limit. If you forget, it will be overdue, and you are afraid of going to the credit bureau, which makes you feel tired.

Many people are unwilling to use credit cards anymore after going into debt. Why?

Because many people realize that using credit cards will cause a series of troubles in their financial situation. Especially for those who have problems with their financial concepts, using credit cards will only lead to excessive overdraft of credit, or even It will cause you to be heavily in debt.

In real life, using a credit card is a very normal thing, and many people also apply for one or even multiple credit cards. For those who are in debt, because they have had serious credit card overdrafts before, and many people have also experienced overdue credit cards, after repaying all credit cards, people in debt are generally unwilling to take the initiative to use credit cards. Many people will also re-examine their financial concepts.

People who are in debt generally have the experience of overdrafting their credit cards.

Although everyone's economic situation is different, and the amount of debt of those who are in debt is also different, for those who have been in debt, many people have experienced excessive overdraft on their credit cards. Some people The investment credit card limit has even reached millions of yuan. For them, after they have paid off all their debts, many people are basically reluctant to use credit cards because using credit cards will only lead to repeating the same mistakes.

People who are in debt will pay attention to their consumption again.

To a certain extent, people who are in debt do not have good consumption habits, and many people even consume excessively in their lives. In this case, people with debt will fully realize the importance of savings and cash flow, and will try to avoid using credit cards and other credit products. Some people not only actively close their credit cards, but even actively close all online payment functions.

In general, when it comes to debt, people will have lingering fears. Although credit cards can help us provide short-term cash flow, after all, using credit cards is a borrowing behavior. Many people who are in debt have become concerned about the borrowing behavior. I hate it deeply, and I don’t want to continue to be in debt.

Please tell me what the effect of chaoscard is

King: SuicideKing kills your character immediately and drops a large number of drops, props, and boxes. If you have resurrection items, you can resurrect

Chaos Card: ChaosCard throws this card forward, killing all enemies along the way and opening ordinary doors.

Credit Card: Use CreditCard in the store to get all items in the store for free. It has no effect when used outside the store. (Including Demon Room)

Rule Card: RulesCard is a one-time item. After use, it will display a line of mottos similar to the oracle. No other hidden effects have been found yet.

Is the Agricultural Bank of China emoji credit card a gold card or a regular card? What's the amount?

The Agricultural Bank of China emoji UnionPay Credit Card is a UnionPay brand standard credit card gold card.

The quota usage range is between 10,000 yuan and 50,000 yuan.

The annual fee for the emoji credit card is 160/year for the main card and 80/year for the supplementary card. The annual fee for the first year will be waived after you place the card, and the annual fee for the next year will be waived if you swipe the card 5 times.

The usage limit can only be checked after the credit card is issued.

The emoji credit card has four card faces for users to choose from: "Kiss", "Laughter and Cry", "Little Devil" and "Little Fresh".

After passing the review, just wait for the follow-up notification. Generally, there will be no problems with signing if the review is passed.

Extended information:

1. How to increase the credit card limit

Credit card limits can be increased through bank branches, customer service hotlines and other channels, but the limit cannot be increased immediately. Cardholders must use the card for at least 6 months and can only increase the limit after passing the review.

2. Ways to increase your credit card limit

1. Swipe your card frequently, more times, and almost max it out every month.

2. Make timely repayments and leave a good credit record.

3. Frequent installment payments and payment handling fees make the bank feel profitable.

3. Consequences of overdue credit cards

1. Liquidated damages, usually 5% of the unpaid portion of the minimum repayment amount.

2. The interest is high, and the interest is compounded. The interest rate is very scary when the debt is large.

3. Overdue credit records will be stained, resulting in the inability to handle financial needs such as house purchases and loans within the next two years.

4. If the payment is overdue for more than 3 months, and the amount exceeds RMB 10,000, and the bank has failed to pay multiple reminders, you will not only have to bear the repayment, but may also bear criminal liability.