In the past two days, a friend called me and borrowed 2, yuan from me to pay back my credit card. Otherwise, my credit will be affected, and I may be legally responsible.
I wonder why I can't afford it after spending it. It turns out that his salary is 5, yuan a month, and there is not much left after deducting rent, transportation and meals. He bought an Apple mobile phone for his girlfriend by swiping his credit card, and he usually plays around. He said that there are still several credit cards in use.
I can't decide about borrowing money. After marriage, we will discuss the large expenses. After hearing this, Mr. Liu refused to borrow money and felt that it was not reliable. I also expressed my difficulties to my friend. He may be really in a hurry. Can I borrow 5 yuan from him?
in the end, I lent him 5 yuan, and I know it won't be paid back soon.
I have heard many stories about credit cards. I'm a person who doesn't dare to spend ahead of time. I never thought about getting a credit card. I first came into contact with a credit card because of Mr. Liu and his younger brother's balls.
the day after I fell in love with Mr. Liu, he gave me a credit card with a line of 2, yuan. He said that he could swipe this card after spending money. This card.
how did Mr. Liu get a credit card for such a thrifty person?
"This month's consumption will be paid back next month, and the interest-free period will be about 5 days before and after, and I put this money in the balance treasure, so there will be interest of tens of dollars, and it will come down to hundreds of dollars a year."
and later, when we bought a house, his credit card limit could be temporarily increased to 55,. For two months, it was the interest-free period of credit cards that really got us through the most difficult days. After all, it is difficult to raise money. At that time, an extra 1, yuan was good. We just used this time difference to solve the dilemma we faced.
most of our consumption is based on the time difference of credit cards, and we earn a lot of interest money anyway. Plus the integral function of the credit card, it has also changed a lot.
in our family, the credit card has basically played its due role, and Mr. Liu is a super rational consumer, so it won't happen in our family.
The credit card has been used well, which really helps our life, but it has been maxed out, and the dilemma it faces is even worse than that of my friend.