Why do many people get into debt after a few years of credit card loans?

It is like a double-edged sword. Good use is a card god, and bad use is a card slave. Too many people get credit cards, because overdraft consumption has become a card slave. For example, I am a bloody example myself.

2065438+In May 2005, I entered an e-commerce company. At that time, my monthly salary was about 3,000 yuan, and my mobile phone 16G Xiaomi 4, 1999 yuan. For work reasons, the mobile phone with 16G memory was not enough, so I got the first credit card in my life: China Merchants Bank Credit Card. I bought an Apple 6S by installment. Is to get deeper and deeper.

When you swipe your credit card, do you always feel that you are not spending your own money?

With a credit card, you can buy whatever you want, because you don't feel much if you don't spend it on a savings card. If you don't get this, you will get another one. After a while, you will find that you owe more and more money, so that your salary is not enough!

People who like blind consumption and have poor self-control ability really don't want to get a credit card!

Let's talk about online lending.

The first online loan I contacted was Alipay's loan.

At that time, Alipay was used frequently, and it was the kind that could consume thousands of dollars a month. The amount of Alipay has been rising, reaching the current peak, with a consumption of 32,000 and a loan of168,000. At present, it is unable to repay, and it is more than 200 days overdue.

After contacting online loans, I really realized that online loans are really terrible compared with credit cards. The threshold is low, the operation is simple, and the mobile APP can make money in a few minutes, which makes too many people fall into it!

The second online loan I borrowed was 1 18 10, or I saw an advertisement on TV that Baidu had money to spend. At that time, it was possible to collect credit, with a quota of 48,000. I lent it all out. At that time, I left the company where I worked for almost three years, and I was still in naked resignation ... I was full of blood and wanted to do something myself! If you have no money, you can borrow online loans to start a business. Finally, for various reasons, I lost all my money! It's sad, but it's really worth it

Maybe I didn't fall badly enough. I didn't realize the seriousness of the matter until I failed to start a business. I didn't find a job, trying to make money and pay off my debts, but I continued to be a slave in a deserted village. If I can't afford the online loan, I'll borrow another one. Didi Loan, Zhaolian Finance, Assured Loan, Suning Finance ... almost all can be borrowed!

Borrowing online loans is like gambling. If money comes too easily, it will be addictive …

The main reason why I am in debt now is unclear self-awareness and poor self-control ability! Want to be empty-handed, want to make a lot of money, and refuse to work hard!

It's a good thing I turned around.

Now I work for more than ten hours every day, go to work during the day, do the workload of several people by myself, take food after work at night, rub my feet and run again, and I am often scolded as a media worker. I told myself, it doesn't matter, as long as I can make money.

It is estimated that by the end of this year, there will be only one Alipay left in my online loan. So even if it is a little hard now, as long as I work hard enough, I will get through it sooner or later!

Finally, I want to remind all my friends who are still deeply involved in advanced consumption and raising loans with loans with my blood and tears lessons, spend some time to pay back my tears and turn back as soon as possible!

First of all, many people don't understand that they would rather ask for food than owe money. It's an asshole to spend money with a credit card without money. Rich people use credit cards because there are mines behind them, and credit cards have points, which are used to exchange gifts. For example, if you need a mop at home, you just don't have to spend money to buy it. Trade the integral for another one. Some are saving, and some are purely for consumption.

Many people get into debt after using credit cards and online loans for a few years. This situation is really common. Nowadays, more and more people are faced with overdue collection of credit cards and online loans every day, especially online loans, which makes people unable to live a normal life. Now the country is also focusing on rectifying the online loan platform and overdue violent collection of online loans. Moreover, according to the statistics of the central bank, the per capita debt has also increased greatly, and the phenomenon of exceeding consumption has become more and more common.

To put it bluntly, people who are in debt with credit cards and online loans are basically people who don't work hard enough. Especially online loans, don't touch them unless you have to. Compared with the interest on bank loans, I really don't know how much higher. Now the state has focused on rectifying the online lending platform, and there are few reasonable and legal ones left. When online lending platforms flooded, I didn't know how many people were trapped, including many college students. Because they can't afford high interest rates and violent collection, they chose to end their young lives.

As for credit cards, using them actually requires skill. A good credit card is a card god, and a bad one is a card slave. Therefore, the skills of using credit cards are very important. Most people don't know how to use credit cards, so most people become card slaves. People who use it well can use the liquidity of credit cards to buy cars and houses without interest. In fact, there are many activities of credit card issuers. People who are skilled in using credit cards can also collect a lot of wool from the bank every year.

So if you use a credit card, you can still use a few cards within your ability, pay more attention to the activities of the issuing bank, and also collect some wool. As for online loans, don't touch them. Most people who owe online loans will only owe more and more. It is the last word to work hard and go ashore as soon as possible.

The calculation method of credit card adopts compound interest calculation, that is, rolling interest calculation. If the minimum repayment amount is selected, the remaining principal will bear interest repeatedly. If you choose to pay by installment, the installment fee is also interest. The interest cost of online loans is high and the term is short. The borrower's psychology is to cope with a temporary emergency or spend in advance. Subsequent funds can't keep up, which in turn leads to robbing Peter to pay Paul. As a result, financial loopholes are also large and debts are entangled. The most effective way is to stop borrowing new loans and negotiate with banks or lending institutions to repay the original debts in installments. In addition, you need to increase revenue and reduce expenditure yourself and pay them off as soon as possible.

Because everyone wants to lie down and think about what to do. . I don't know how to work hard

Loan repayment

Because they use the calculation of compound interest, which is really terrible, just like a small egg can be rolled into a big snowball.

So don't participate in online lending. Consumption should be based on its own strength, otherwise it will plunge itself into the abyss.

It's all the fault of usury. Online loans are already high, and credit interest is not low. The interest of five ten thousandths per day is scary to roll up. Coupled with arbitrary collection, debtors are miserable.

The risk is not well controlled.