A friend's business failed and he owed tens of thousands of dollars for an online credit card loan. He was forced to have no way out by the credit card repayments. He even had the idea of ??committing suicide. He borrowed money from relatives and friends around him one by one. All over.

How to get to the shore in the end?

First read the summary of the guide

1. Stop using loans to support loans immediately!

Using loans to support loans can only mean tearing down the east wall to pay for the west wall, and online loans will only become more and more popular!

2. Make a list of credit card and online loans

Make a detailed list of credit cards and online loans, and don’t get bored seeing these loan orders that are annoying every day. You need to know the amount of money you owe, and then you can make clear arrangements before sending it back to get out of trouble.

3. Check the credit report

See which debts are subject to the credit report, and pay this part first. Things that are closely related to your credit report are closely related to whether your children will go to school, take high-speed rail or fly, so you must pay attention to it!

4. Request a suspension of interest payments from the credit card bank

After the credit card expires, if you request a suspension of interest payments from the credit card bank, the customer service department will refuse at first and you will need to call several times every day. According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", it can be applied to people who are overdue and cannot repay once, but they must obtain the consent of the card issuer. If the overdue time is too long and refuses to repay after being called, it is also suspected of violating the Criminal law provisions.

According to Article 70 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks", under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, The card-issuing bank can negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement shall not exceed 5 years.

5. Confess to your parents immediately and ask for support

Parents should have some savings after working hard all their lives. Don’t think that you can be a cheating old man. You don’t chew now. In the future, when the snowball gets bigger and bigger, even if you want to chew on your parents, they may not be able to chew on you.

Another thing is, don’t hide it! Some people clearly owe 400,000 yuan, but out of face or fear of scaring their parents, they hide it and say they only owe 500,000 yuan. After my parents helped me pay it back, I thought I was safe, but it turned out that there were still 200,000 unpaid collection calls and text messages. Then my phone book was bombed, and my parents and relatives all knew about it! It was his parents who were devastated. The breach of trust and concealment was one, and the second blow was two. Therefore, you should confess to your parents accurately and easily.

6. Completely give up your previous high consumption habits and live frugally.

You have to pay back the sins you have done. People always have to pay for the consequences of what they do in the future. If you have a lot of debt, don't think about Apple or Huawei's scheming. Buying all kinds of new clothes every season, you are not qualified at this time, yes, you are not qualified. You can only be an ascetic now and live a hard and simple life.

7. Work hard, find side jobs, find part-time jobs, and do odd jobs

Work hard and strive for promotion and salary increase as soon as possible. Then there is the Internet era. Nowadays, even pigs can fly, study and shake Douyin to bring goods, self-media headline account Big Fish and Baijia to make videos, Xianyu buys things from Alibaba to find sources, or you can contact manufacturers yourself, set up street stalls and do odd jobs offline, do housework and deliver food (I am not afraid of being tired, I am afraid of you) Don’t want to do it! Don’t dare to do it)

Young people don’t have to be rich, but they can’t have no concept of money

The irony is that this is an advertisement for a loan software.

If you don’t work hard and push yourself, how do you know you can’t get to the beach?