Don't talk about reversing credit cards. My house and shop have a mortgage loan of 15 million yuan and a credit loan of 3 million yuan, and the annual interest is close to 1 million yuan. When the bank draws a loan, I will never be able to reach the black households completely.

1. Anyway, the post-8s generation around me are reversing credit cards, and everyone has two or three credit cards for car loans, mortgage loans, schooling and support for their children.

I've never touched this stuff, and credit cards are also compared to opium. If I touch them, I'll be addicted and unable to extricate myself [covering my face]

What do you mean by living with a credit card?

how to do it backwards? Who can tell me?

I don't earn much anyway, but I'm not in debt.

in fact, when we first came into contact with credit cards and online loans, each of us held the mentality that we could afford it! But slowly, we began to find more and more debts and bigger holes. In fact, I didn't borrow much money at first, but most of the money I borrowed later was just because I was robbing Peter to pay Paul, raising cards with cards and raising loans with loans. Finally one day, I'm tired! Finally, I found that the debt I owed was not affordable by my own income!

I searched the Internet, and found many stories and posts that owed loans and credit cards. Although everyone borrowed money for different reasons, most people couldn't afford it in the end! The better a person's credit information, the higher the credit card limit, and the more money the platform borrows! Nowadays, there are many people who owe more than one million yuan. What's going on? ? Debt has become a common phenomenon, and everyone is used to it. Is this society sick? ? Or have we become a "pathological" loan maniac! ?

Many dunning calls will ask, "Since you can't afford it, why do you want to borrow it?"! ？” "Don't you afraid of being exploded address book! ？” "You are not afraid to affect your credit and credit! ？” In fact, most online loan borrowers just cherish their own credit, are too afraid of being exposed to the address book, and take care of their own credit information, and then step by step embark on the road of no return. I want to ask, did you ask for the advice of the people on our address book list when borrowing money? ? Why do you have the right to harass them when we are unable to repay? ? Now is not the era of big data. Since you can find out how much debt we have borrowed from long positions, you should consider that our income may not be able to repay your debts. Why did you lend to us in the first place? ?

With the overwhelming credit card advertisements, online loan advertisements and telephone promotion, everyone can get in touch with credit card online loans at any time, and tempt others to get deeper and deeper like the devil! You can accuse us of being adults, and we should know the responsibilities and consequences of borrowing! Indeed, we must bear it, and it is only natural to pay back the debts! Most of us are honest, and we are willing to work hard to repay! But it's really time for us to pay back! ? We also need to live. If our life becomes a big problem, how can we repay it? Don't you fatigue bombing dunning phone, dunning information, can let us give birth to money! ?

when I find that I may not be able to bear the monthly debt of more than 1, yuan, I am ready to delay repayment by communicating with the credit card center and the loan platform! But then I found out that I was naive! In fact, there won't be any communication. If someone opens his mouth, he will scold! Someone just called to give me a few days, and then another one called in less than ten minutes to ask you to repay immediately! I said I'd find a way to pay back as much as I can, and they said I didn't pay back in good faith! I said I was unemployed, and even my life became a problem, so he said I pretended to be pathetic! Finally, I don't want to listen to any phone calls, waiting for the court to sue! Really tired!

now I just want to work hard and get back to my normal life. I really hope that someone will stand up and speak for us. I am eager for the birth of the personal bankruptcy system! We don't want to go bankrupt because we want to avoid debt, but we want a normal life. In fact, just like house slaves, many people have debts of more than one million yuan, but the bank has given them twenty or thirty years, so even if there is pressure, they can still pay them off one day! Why can't there be an organization, an organization to help us who have lost our way and give us a chance? Let's integrate the debts, and then pay them back in ten years, twenty years and thirty years! At least there will be an end to this, at least in this way, we can have a plan to know how much money we need to pay off our debts every month and how much money we will leave to live!

I used to hate credit cards, but later, I was in urgent need of money, and my friend lent me a credit card to tide over the crisis. Later, I started to raise cards myself, and the quota increased rapidly. Now learn to shop with the credit card APP, use coupons in restaurants, exchange points for gifts, and even buy movie tickets.

everything has advantages and disadvantages, depending on how you use it. You can't spend more than you can afford. It's much more convenient to use credit cards reasonably than to open your mouth and borrow money from others at a critical time.

As far as I am concerned, there are not a few people who live on credit cards after the 198s, and there are people from all walks of life. Low income, buying a house, buying a car, getting married and making friends, which one doesn't need money? Some people, on the other hand, have to put on appearances, handle a lot of credit cards, spend ahead of time, and finally make a living with credit cards, leaving them in debt. The so-called reverse credit card means that you have multiple credit cards in your hand, make a false transaction with a POS machine, cash out one credit card with a limit, and return other credit cards without a limit, and then set them out with a POS machine. Once in and out, the credit card's arrears are reduced, and a part of the handling fee is lost. The general rate is roughly 1, yuan, and the handling fee is between 5 and 65. Different POS machines have different rates. The rate of most POS machines is the handling fee of 55 yuan per 1, yuan. Many people just do POS business for a living. From then on, it can be seen that there are not a few people who owe money to pour credit cards.

I have a colleague who is 1 years younger than me. He was recruited by the labor dispatch of the unit. At ordinary times, he seems to have a good family condition, because his food and clothing are much better than ours. I was very envious at one time, but everyone's situation is different, and there is not much comparability. What does it have to do with me?

until one day, he asked me to borrow money. I was puzzled. Why did he suddenly ask me to borrow money? In fact, I had doubts in my heart, but I finally lent him the money. It was not much, just two or three thousand. Later, our colleagues had dinner together, but the colleague who borrowed money didn't go. One colleague drank too much and said, Do you know? So-and-so, he borrowed money from me last month, but he didn't borrow much, only two thousand. As a result, the chatterbox opened, and it turned out that he had borrowed money from many people. Everyone thought that they were all colleagues, and they couldn't get through without saving face, and they didn't borrow much. Since then, when everyone saw him buying all kinds of high-end mobile phones, cameras or traveling, no one envied him. What everyone thought most about in their hearts was when this colleague would pay me back. Because there are many people who owe him money, every colleague who lent him money was embarrassed to be the first person to ask him to pay back the money. So, everyone was upset, but they still didn't say anything.

until one day, this colleague suddenly offered to resign, but the leaders didn't approve it. But he didn't come to work the next day, and all of a sudden, many colleagues talked about it. The leader in charge of logistics came, opened his living room with a spare key, and looked at it. Nothing was taken from the room. There were several POS machines on the table, and some colleagues who had done banking business understood it in an instant. It turned out that he relied on it. Needless to say, on the one hand, he borrowed money to reverse his credit card, on the other hand, he used it for his own extravagance. By the time everyone contacted him, his phone had stopped and he could not be contacted. Not long after, some colleagues received phone calls from banks one after another, including ICBC, China Construction Bank, China CITIC Bank, Minsheng Bank and China Merchants Bank. These bank credit cards were processed one after another when the colleague came to work. They were emergency contacts, so the bank called their mobile phones, and what's more, they even called our office telephone landline. Colleagues talked about it for a while.

Some people have found the colleague's home through various ways and channels, but his mother reported that the child hasn't come home for more than a month, and told colleagues that the money owed by the child is beyond her ability to pay back. Besides, the child doesn't know where to go now. Is it reasonable for you to rush? After talking for a long time, why don't they pay back the money they owe? Colleagues were very uncomfortable. Finally, when they saw a woman at home and the client was not there, they left without giving her too much trouble. When they left, they told her to let them know if the children came back. The woman agreed, but everyone knew that she only promised verbally, and she wouldn't tell them if the child really came back.

One day, something happened. It turned out to be the mother of a colleague who should borrow money. Just after six o'clock in the morning, before it was too bright, she hired a car to go downstairs to the office dormitory, ready to secretly move the children's things. Because after the colleague left, everyone found the leader and asked to change the key of his living room. His mother came to the front of the dormitory where the children lived, but she couldn't open the door with the key. She was dumbfounded, and she didn't know what to do. A colleague happened to go out to the toilet. He was the one who lent the most money to his colleague. Last time he went home to ask for the bill, he also went, so he recognized the woman at a glance. He was in the corridor, knocking at the door one by one, and everyone came out later. A dozen people surrounded the woman and pressed for the whereabouts of the colleague who borrowed money. As a result, the woman still said that she didn't know, saying that she just got a call from the child and hoped that her mother would put the room. Things got worse and worse. Some people called the leader, and the leader came. The woman seemed to see the savior, but the leader knew the whole story. The leader asked the woman to write a guarantee, which explained the fact and situation of owing money, and did the work of her colleagues. Finally, everyone relented and let the woman go back. Afterwards, the leader said to the deputy in charge of logistics, gather everyone together, see how much money he owes everyone, make a list and report to the public security bureau. The county public security bureau attaches great importance to the report of our unit, because we are also government agencies, and the borrowing colleagues are dispatched by the county people's social security bureau through social recruitment, not regular employees, so the requirements and review for them are much lower than those of regular civil servants, and the topic of recruitment is relatively simple. The county public security bureau listed this case as a credit card fraud case, and sent the police to wait at his door. Sure enough, everything comes to him who waits. After half a month's waiting, the case finally made progress. The colleague who borrowed money couldn't stay outside, and went home to ask his parents for money. Just after one o'clock in the middle of the night, our police found out and took him to the police station for interrogation. As a result, this colleague owed 6, to 7,, including more than 3, credit cards. At that time, credit cards could still be turned around. Later, with the overdue of a credit card, a chain reaction occurred, and many credit cards were reduced. After the money was still in, the POS machine could not brush it out. In order not to be overdue, he asked his colleagues to borrow money and borrowed usury on the Internet. Later, he owed more and more money. The story was roughly like this. Later, the police found the child's parents and told them the situation. The child's mother was so angry that she fainted at that time. Finally, they sold the house at home and paid back all the money owed by the child. Everyone felt that their family was very pitiful and took the initiative to ask for a lighter treatment. The children's family are all rented in a small house. His mother didn't go to work before, but now she has to start working as a dishwasher in a restaurant because of her poor health.

The habit of spending ahead of time is really bad. It is not a long-term solution to reverse the credit card, no matter how much money you have. Owning money means owing money. Reversing a credit card can't reduce your debt. It's just drinking poison to quench your thirst, and it's yourself who gets hurt in the end. Don't apply for a credit card, and don't expect to use a POS machine to reverse the credit card, and live in a down-to-earth manner. Doesn't it smell good?

you can pour it in a short time, and it will explode one day. How to make it, blacklist it, or affect your future life.

Last year, I was in debt of more than 5, yuan, so I should be able to deposit next year.

Many people around me apply for credit cards, and so does my cousin. Although my salary is low, I plan to spend money, never borrow money from others and never get a credit card.