Everyone says not to support loans with loans, but what if they are overdue?

Which do you choose, overdue now or overdue after the loan is raised to 500 thousand?

In fact, many people are forced to be helpless, and finally the capital chain breaks before it is overdue, and then a bloody lesson is summed up: don't support loans with loans.

Most people understand this truth, but they just can't do it. Why? Because I am afraid that my family and colleagues will know, I feel that I have the ability to turn around, and my future income will gradually return. If you weigh carefully from the following three aspects, you will know that it is really a dead end to support loans with loans, and what the predecessors said is really empirical.

First, the concepts of handling fee and interest rate are vague. Many platforms calculate the handling fee according to the daily interest rate, which is displayed in front of your eyes. 1000 yuan. What is only 50 cents a day? At first glance, it's really cheap. Can't you afford 50 cents? I can still pay 100 fifty cents, and then I can get a loan without thinking or calculating. As we all know, the daily interest rate of10.5 million yuan translates into an annual interest rate as high as 18%, and the benchmark interest rate for bank loans over five years in 2020 is only 4.65%. You calculate this ratio.

I have 6,543,800 lines of Alipay and 7,000 lines of micro-loans. I contribute 4000 yuan of interest to these two companies a month. Don't you think it's horrible?

Second, blindly optimistic about their income growth. You choose to take the road of borrowing, based on the assumption that your income can continue to grow, so that your debt will not break out. However, it is still unknown whether your income can increase by 65,438+08% every year to cover the expensive handling fees in the current generally unfavorable economic environment.

In February, 20021year, Mercedes-Benz, a world-renowned international automobile giant, announced that it would start a larger-scale layoff plan, and lay off 1000 people on the basis of the existing layoff plan.

Large enterprises under the impact of the epidemic are overwhelmed, and many small and medium-sized enterprises are even more unsustainable. What makes you optimistic?

Third, the risk control of the platform. You borrow more times, and many platforms will not directly reduce your quota without waiting for you to be overdue. Think about it. Because you have no money, people won't let you borrow it now. What do you do? Your set of operations is based on loans provided by the platform. The problem is that this foundation was decided by others, not by yourself. This is an artificial knife. I have no initiative at all. It is almost impossible to maintain such cash flow until I pay off my debts. Give you a little routine and your cash flow will be completely broken.

Finally, summarize and answer this question:

1, there is no direct overdue loan, the amount is small, the repayment is fast, and it will be paid off in five years. He is also a hero.

2. You can't afford to borrow a huge debt, but you still fail to pay it back within the time limit, and your family has been greatly hurt. It takes a long time to get up. When you pay it back, your credit will be washed away in five years. But by that time, you may be over 50 years old, and the bank will basically stop lending to people your age. What is the use of your credit?

When you raise a loan with a loan, it shows that your repayment ability is not very good, so you can only choose to raise a loan with a loan. However, anyone who uses loans to support loans will only end up with more and more debts. Finally, it can only be overdue. Unless you get rich in a short time, there is only one way to exceed the deadline. Why are you afraid that people, friends and relatives around you will have a bad opinion of you when they know it, that your address book will be exposed, and that your credit information will be hacked? If you think so, you are wrong. People who can have a bad opinion of you show that your relationship is not that good at ordinary times, so what do you care? In fact, a good relationship really won't alienate you because you owe online loans, but it won't be mentioned in front of you. When you really can't afford it, you will be forced to go ashore after the deadline. You have no money to eat, what do you care about credit reporting? In short, it is a dead end to support loans with loans, and there is still a big pit waiting for you. I have borrowed money to raise money for more than two years since 10 thousand yuan. In the end, I paid back the interest all year round, and I still owe more than a dozen. After I figured it out, I chose to go ashore after the deadline. After landing, I found that I was really relaxed and devoted to making money. I can't sleep every repayment day. Don't be afraid that your family will scold you and bother you. But this is really just the beginning. As long as it's not a bank, it's best for my mobile phone to intercept strange numbers directly. You don't have to take online loans. Even if you pick up the money, you will still explode the address book and simply don't pick it up. Otherwise, you will find that you are not in the mood to work after picking it up. Don't support loans with loans. If you can borrow money from friends and relatives, you can borrow it. If you can't borrow money, you can choose overdue.

If you can solve the problem by borrowing, it is still a way, but you can only live for a few more months, and eventually the problem is more serious. Therefore, what should be faced is faced, and it will be resolved through consultation after the deadline. The purpose of the lender is to make you pay back the money, not to kill you. There is always room for communication.

Let me talk about my experience, how terrible it is to support loans with loans. Let me tell you, in my own words, the terrible thing about raising loans with loans.

Attached to negotiate repayment, only the principal is repaid.

I was born in a poor peasant family. My dream since childhood is to make a fortune when I grow up, let my parents live a better life, let them stop working and lie at home drinking tea and chatting every day. But how big a person's dream is, how big his heart is, and how much harm it may bring to you.

Before, I couldn't eat, drink, go whoring and gamble. No matter how my friends around me treat me, I am always indifferent. I started working outside in 2006, because the starting point is very low, so it is easy to be satisfied. Take 600 a month, send 500 home, 100 live by yourself. It was a wonderful thing at that time. I have always insisted on one thing, that is, when I pay my salary every month, 1 This matter brought my salary home, and I have insisted on it for four years.

When I was at 20 1 1, my life changed a lot. I met a girl in the factory, then we fell in love and finally came together hand in hand.

Persuaded by my girlfriend, I began to make new changes in my life plan. I want to start my own business, and I can't cooperate any more. That is a road that can already see the end.

When we don't work overtime at night, we start to set up stalls outside with clothes, trying to change our thinking and make different ideas. We take it to the market every night to set up a stall and earn forty or fifty dollars a night. We were very happy at that time, because forty or fifty dollars added forty or fifty dollars to our small family.

It lasted about two months. Later, my little girlfriend learned from a friend that it is very profitable to open a small shop online. Then we registered a small shop on Taobao. At first we didn't know how to operate it, but after constant exploration, we finally found the door to open the golden key.

During the four years from 20 1 1 to 20 15, I earned about 500,000 yuan in Taobao. It was really easy to make money at that time. Then his ambition is quite big, and only ambitious people can do great things.

Because during the period of 20 1 1 to 20 15, his girlfriend has gone back to her hometown to give birth to a baby. He went back to his mother-in-law's house because he said that she had better take care of herself. Of course, I respect his opinion, and I will send him 3000 yuan every month, and stick to it, because she has earned money and her mother has helped her. It costs about 1000 yuan a month, because I have to buy milk powder and clothes for my children. The cost of living is high, and making money is a bit out of step.

So I want to expand my career, take the old road again and open a physical store. Later, after my constant exploration, I found a facade outside and opened my own shop. Taobao stores also all transferred to physical stores, and hired three employees to take charge of Taobao's online business and take care of the physical stores by the way.

Just because I have done everything well, I feel very idle and have nothing to do every day. Because my wife is in her hometown, she wants to find something to do for herself every day, and often goes out with friends to wash her feet and massage KTV and other entertainment places. It is said that people who often go to such places will go bad, and this sentence is not wrong at all.

I met some irresponsible people in it, and later, after their recommendation, I played gambling online. At first, I was just creating, fooling her thoughts, just following her wishes, because he asked you to play and you turned her down, feeling that you didn't treat her as a friend, plus you were interested in her.

It takes less than a month from my first curiosity to falling behind, because it was too easy to make money at first, because I have never been contaminated with this kind of thing, as people say, curiosity kills the cat. Just because you can't stand the temptation, spending a small two or three hundred dollars a day in it may earn two or three thousand or even tens of thousands. This income feels faster than opening a shop, so I stick to this idea every day.

Until a month later, I counted my own funds and found that I lost about 65,438+10,000 playing in it, and then I put forward my own ideas. Maybe I don't know where I lost when I was playing, so I remind myself not to be angry every day. But if I don't know how to gamble, I'm afraid you won't come. Even if you win 654.38+00 days, he won't lose half an hour. I finally experienced this feeling. In the later days, I thought about turning over the books every day. Sometimes I really win and get back all the money I lost. I promised never to play again, but I wanted to be greedy with him, and then I lost.

Going in again and again, I lost more than 400 thousand in less than three months, because I was more patient. It's not bad that the money has been paid for so long, but these are the operating funds of the store. Later, there was no money to get the goods in the store, so I closed the store and everyone was dismissed.

Thinking about gambling, you may win all your money back one day, and your mind is always thinking about winning millions. Later, I got deeper and deeper. After all my working capital was gone, I saw my friends and relatives' money lying to them that it was used as working capital. Because it was convenient to open a shop and borrow money, I soon owed myself more than 200,000 yuan, but paper can never cover the fire.

Send 10000 yuan home every month, and the money should be spent. I have to send money again, but I have no choice but to start looking for online loans and credit cards. In this way, the capital turnover is almost more than a month, because I am addicted to gambling.

I used up hundreds of thousands of credit cards. Later, I will apply for a loan to repay my credit card online, and I will repay my credit card with a loan. Every month, hundreds of thousands of credit cards disappear in every moonlight,/kloc-more than 0/000, and the interest salary paid by the loan is not enough. I must repeat it. About four months. I really can't stand it.

Especially in the back, I won a loan called routine loan. On a loan book, I borrowed 1000, and I got 800. If the repayment is not timely, I will transfer my interest, which is repeated every week. Well, after a month, not only the principal is enough, but also it is outstanding.

Later, I had no choice but to go ashore and stop repaying all credit cards and loans, because it is impossible to survive by repaying loans, let alone repaying loans.

But I don't know what will happen if I don't pay back the money. From the beginning, I chose not to pay back the money, and the collection staff began to call me constantly, which made my image in the hearts of my wife and mother-in-law suddenly drop to zero.

But this blow is only the beginning, and the impact and consequences that I didn't expect at all. The collection phone began to call my home, and he called all my relatives and friends. Then all my friends explained it one by one. I said I didn't care about the phone call because I offended others and others were retaliating against me. He deliberately said that I owed money.

But there is no way to get rid of this kind of thing just by lip service, because it directly affects the normal life of others. He is not attacking me, but attacking my friends, calling their mobile phones with high-frequency phones and sending them with high-frequency short messages, so that they can't use their mobile phones normally, attacking me from the side and making my friends force me to pay back the money.

Later, it was directly upgraded to a lawyer's letter and sent to the village Committee and home. The family also talked about it in succession, and it spread all over the village. Suddenly I became a celebrity in the village.

What's more serious is that after a while, I will send a text message directly to my relatives and friends, saying that if I don't pay back the money, I will come directly to the door, and I will say what job number I will send, which will scare my relatives and friends to death.

Later, I told all my relatives and friends directly that if they called me after work, they would say that I was abroad and not at home. No way, it is also the strategic shift that the old-timers said before.

After three years of hard work, I finally made some achievements. For three years, I didn't contact any company, no credit card or any relatives and friends, because I knew he could find me.

I stood up and decided to negotiate with them to pay back the money. I give priority to credit cards, because credit cards are banks and national institutions of banks. No matter what I do in the future, it is closely related to them. I must be clear about my debts, which should be paid, which should not be exchanged and which should be given priority.

Today I will talk about these two methods. One was charged and one was not.

Guangzhou bank's credit card, because I was sued by this bank's credit card, although I was sued, but I have never dealt with it, so my first task is to deal with this bank first. The following is my negotiation process.

I took the initiative to call the customer service phone of this bank and asked the customer service how to deal with this debt.

The customer service gave the phone number of the business manager of the collection department, and then dialed the phone number according to their requirements, the lawyer's phone number.

When the lawyer talked to me, he said that he would pay back all the interest and principal in the credit card, and then I asked him if he could get a discount. At that time, he flatly refused, and later there was no way to talk, and everyone did not get a satisfactory solution.

I called the business manager of the collection department again, and I told him that I was interested in repaying the loan. If you can give me interest relief, I am willing to deal with it immediately. Otherwise, I won't deal with it, because I have been washed by you. It doesn't matter. Anyway, you can't execute my money, so I hung up unhappily in this conversation.

I know, just like bargaining for clothes. Finally, two days later, the good news came, and the interest party called me and said that as long as the principal was paid back.

This is not a small sum for me, because the principal of 6000 yuan has risen to 2 1 000, almost tripled, so I must win, and finally I won successfully.

There is also a credit card of China Everbright Bank that has not been prosecuted.

(1), when I sorted out all the debts, I looked through the previous SMS, which contained the last call for collection and the SMS they reserved, so I called back, and I said I was willing to negotiate repayment with you.

② The other party is not a bank, but a collection company. They disdainfully replied that this thing is no longer in their hands, and they have not handled it. Therefore, when you receive a reminder message, this thing has a time limit. Don't call later. If the collector asks you to call him, it's really a waste of water.

(3) I can only contact customer service. When I first called, I registered. Later, I directly said that I was overdue. I asked why it took so long. I told him that I would call now to negotiate the repayment. The customer service directly replied to me, saying that they don't negotiate repayment here. Later, I said that you should contact the collection department for me. Fortunately, he had this experience last time, and he turned impatiently. Maybe my list has been abandoned and there is no new collector to collect it.

(4) The collection department hangs up after receiving the call. Later, he just said that he would call me later. Less than half an hour later, they called me and told me that all I had to do was pay back the principal. They helped me pay back the rest. As long as I paid back the principal, they cancelled the card directly.

Finally, it's worth it. This has been dealt with.

Later, I also dealt with CITIC, Minsheng and Industrial and Commercial Bank of China.

Summary: loans overdue, don't repay the loan with a loan, it will only get deeper and deeper. At the early stage of overdue, try to borrow money from relatives and friends and make up for it first. Once overdue, your credit will be affected. It will be difficult to buy a car and a house by stages, and the consequences will be very serious if it is overdue. I have made a clear analysis of the above, hoping to help you. [comparison] [comparison] [comparison]

I've been there before, robbing Peter to pay Paul to raise loans, and it didn't work at all. I was afraid that my credit card would be overdue, so I contacted the online loan. Every time I don't get a credit card, I try all kinds of online loans. Every time the application is successful, I feel that the whole person is relaxed, and finally there is no need to overdue. Who knows, just step by step into a deeper quagmire, and finally unable to extricate themselves. Supporting loans with loans is only a short-term solution, and there is no fundamental solution at all. In the long run, it can only be completely overdue. Before we get deeper and deeper, we should work hard to make money and pay back the money we owe.

I am committed to debt planning and debt restructuring, I hope it will be useful to you!

Raising loans with loans will only make your debts continue to increase, not decrease, forming a vicious circle, and the final result will still be overdue!

As for what to do after the deadline, it's actually very simple. Don't pay it back if you can, and don't pay it back if you really can't, especially after the deadline, when you say you want to pay a minimum repayment amount, you will pay the rest in installments. What's the difference between this and bill installment? Won't you get it in the end? What's the point? If it is overdue, take the initiative to tell you the current situation, whether it is the platform or Mihang, you are really unable to repay. When applying for personalized installment repayment, don't just say that I want to apply for personalized installment repayment, which is definitely not possible. It is impossible to communicate well at once. You need to persist, maybe a week, maybe five days, so the time is uncertain. For WD platform, when you have saved enough principal and a little interest on this platform, go.

I killed myself. I used a credit card to decorate the new house, and the money was almost finished, so I borrowed 20 thousand, and then the amount was not high, it was 30 thousand. In the next accounting period, the credit card will be returned, and there are actually 320,000 online loans. At the beginning of June, Weibo suddenly stopped lending, and only after a calculation did he know that he had made a big mistake. 32 online loan plus 15 credit card will be overdue soon, and the interest can't be paid. What should I do? After three days of struggle, I told my father. My old father was cheated at the age of 75. Fortunately, he took out his coffin book and added a little of his own balance to make up 1.5 million, and paid off all his credit cards in advance. The remaining 32 can only look at the overdue and face it by themselves. Therefore, it is right to stop loss in time and stop touching online loans. A lesson is painful, and you don't know its pain until you experience it. Don't regret it too late!

So, do you want to finish it forever? Or do you want to return it? Lending is the former and overdue is the latter. Choose for yourself!

In the final analysis, the purpose of this loan is not to lose face, and the frequent borrowing of online loans is also to avoid losing face. In fact, the final turnover was not enough, which led to overdue. What "face" can you think of at this time?

My first platform loan was to open a snack bar in partnership with a friend. At that time, there was not much money at home, but there was no debt. Then I was cheated to manage my money and wanted to make money. One of my ideas is to make a loss while I am young, and then start working. I don't know why my credit is so good. My friend said that she borrowed 360 yuan, because everyone didn't take money from home, they all borrowed it by credit card. As a result, she has few places and I don't have much.

The business of opening a shop is not so good. There are many things to do at the innovation meeting. At first, I told my family that I was working part-time. As a matter of fact, I invested the money myself. Most of them were pulled out from here, and then I paid a little more, but the interest was also high. It was opened for about half a year, and then I changed to a store and collected a little, which was not enough to pay back the money. I asked my friend to keep saying no for a long time so as not to be overdue.

A lot of things happened in the later period. I paid it off and lent it out to solve some things, which led to the present state. This time, I couldn't turn the corner. I knew more and more, so I forced myself to go ashore. Because overdue is not terrible, what is terrible is those collections. I only remember that "it is only natural to pay back debts", so I found that my income was not enough to pay my expenses, so I quickly stopped the money I owed, settled the house, and took the loan as a way.

At present, loans are being raised by loans. Let's talk about my situation.

At present, I have five bank cards with a limit of *** 14 1000, and then I divided them into stages, with a maximum of three years. Please return it slowly. Borrowing 40 thousand, I feel the interest is very high, and the interest is more than 500 a month. I plan to return it in these two days. There is also a bank loan 100000. This is to pay the interest first, which means that 1000 pays the interest one month in advance and the principal one year later, and then it can be returned and lent out.

First of all, let me talk about why I use loans to support loans. First of all, I have a house and a car, and the house is still in the monthly payment. If these are all overdue, I don't know if my RV will be taken away and then expired. I thought I couldn't stand the phone bombing and the intimidation of a third party, and I was afraid of physical problems at home, so I used a loan to support the loan.

I want to go ashore now, too, so the plan is to pay back the credit card first, then take out all the money in the credit card and pay back the loan next year, pay off the loan in installments and put it on the credit card, and then pay it back one by one.

Although I know that I can pay back my credit card once every two months at the longest, which is equivalent to 10 thousand yuan a month, and I only charge 30% commission, but in that case, why should I choose staging? Because every time I set up money back and forth, I feel that I still have money, and I will always spend some unconsciously. I don't think thousands of dollars will be spent at once. In order to avoid some unnecessary expenses, I choose to pay by stages, so that I can make up the money by stages every month and then stop taking it out.