How many post-80s people live by reversing their credit cards?

Don't say the credit card is upside down. For my house and shop, the mortgage loan is150,000, and the credit loan is 3 million. The annual interest is close to100,000. If the bank borrows money, I will never be able to fully contact the black households.

1. Anyway, all the post-80s people around me are pouring credit cards. Everyone has two or three credit cards. Used for car loans, mortgages, children's schooling, supporting parents, etc. It is never enough to earn money, and there is nothing they can do. It is also helpless to reverse their credit cards. There are too many miserable post-80s.

I've never touched anything like this. Credit cards are compared to opium. I can't get rid of it when I touch it [covering my face].

What do you mean, the credit card is dead and alive?

How to reverse it? 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 an affordable attitude! But slowly, we began to find more and more debts and bigger holes. In fact, I didn't borrow much money at first, and 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 beyond my own income!

I searched the internet and found many stories and posts about owing online loans and credit cards. Although everyone borrows for different reasons, most people can'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! There are many people who owe more than one million dollars now. What's going on here? ? Debt has become a common phenomenon, and everyone is used to it. Is there something wrong with this society? ? Or have we become a "pathological" loan maniac! ?

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

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

When I find that I may not be able to bear the debt of more than 10,000 yuan per month, I am ready to delay repayment through communication with credit card centers and loan platforms! But then I found out that I was naive! In fact, there will be no communication. When someone opens his mouth, he scolds! Just a few days ago, someone called me, and then in less than ten minutes, another one called to ask you to repay immediately! I said I would try my best to pay it back, and they said I didn't have the integrity to pay it back! 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 and wait for the court to sue! Really tired!

Now I just want to work hard and return to my normal life. I really hope someone will stand up for us. I long for the birth of 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 it off one day! Why can't there be an organization, an organization that helps us lose our way and gives us a chance? Let's consolidate the debt and pay it back in ten, twenty and thirty years! At least this matter will be settled, at least in this way, we can have a plan and know how much money we need to pay off our debts every month and how much money we have left to live!

I used to be very resistant to credit cards. Later, I needed money badly, and my friend lent me a credit card to tide over the crisis. Later, I started to raise my own card, 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 exceed your ability to pay. Reasonable use of credit cards is much more convenient than opening your mouth to 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 1980 s, and they are found in 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 pretend, run a lot of credit cards, spend in advance, and finally live on credit cards, which are heavily 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, return the other credit cards without a limit, and then use the POS machine to set it up. Once in and out, the credit card arrears are reduced and some handling fees are lost. The general rate is about 1 ten thousand yuan, and the handling fee is between 50-65. Different POS machines have different rates. The rate of most POS machines is the handling fee of 55 yuan per 10,000 yuan. Many people just make a living by doing POS business. It can be seen from this that there are not a few people who owe money to pour credit cards.

I have a colleague who is 10 years younger than me. He was hired by the labor dispatch of the unit. Usually he seems to have a good family condition, because his food and clothing are much better than ours. I used to be envious, 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 wonder why he suddenly asked me for money. In fact, I had doubts in my heart, but I finally lent him the money. Not much, just two or three thousand. Later, our colleague had dinner together, but the colleague who borrowed money didn't go. A colleague was drunk and said, you know what? 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. It turned out that he had borrowed money from many people. Everyone thought they were all colleagues, so they couldn't face it and didn't borrow much. From then on, everyone saw him buy all kinds of high-end mobile phones, cameras or travel, so no one envied him. What everyone thinks most is when this colleague will pay me back. Because there are many people who owe him money, every colleague who lent him money is embarrassed to be the first to ask him for it. So, everyone was very upset, but still didn't say anything.

Until one day, this colleague suddenly offered to resign, and the leader refused to approve it. The next day, he didn't come to work, and many colleagues suddenly talked about it. The leader in charge of logistics came and opened his living room with a spare key. When he opened it, nothing was taken in the room. There are several POS machines on the table, and some colleagues who have worked as banks immediately understand that he lives by reversing credit cards. Needless to say, on the one hand, he borrowed money to repay 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, including ICBC, China Construction Bank, China CITIC Bank, Minsheng Bank and China Merchants Bank. These bank credit cards were processed one after another when colleagues came to work. They are emergency contacts, so the bank calls their mobile phones. What's more, they even call the landline of our office. Colleagues chatted for a while.

Some people, through various ways and channels, found a colleague's home, but his mother reported that the child had not come home for more than a month and told her colleagues that she could not afford the money owed by the child. Besides, the child doesn't know where to go now. Is it reasonable for you to rush? After talking for a long time, why didn't they pay back the money they owed? Colleagues are 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 tell the children if they came back. The woman agreed, but everyone knows that she only promised verbally, and she won't tell them if the children really come back.

One day, something happened. It turned out that my colleague's mother wanted to borrow money. It's just after six o'clock in the morning, and it's still not very bright. She hired a car to go downstairs to the office dormitory, ready to secretly move the children's things. Because after colleagues left, everyone found the leader and asked to change the key to his dormitory. His mother came to the front of the dormitory where the child lived, but she couldn't open the door with a key. She was dumbfounded, didn't know what to do, and didn't dare to call anyone. A colleague happened to go out to go to the bathroom. He is the one who lends the most money to his colleagues. Last time I went home to collect the bill, he also went, so I recognized the woman at a glance. He knocked on the door one by one in the corridor, and then everyone came out. A dozen people surrounded the woman and asked about the whereabouts of her colleague who borrowed money. As a result, the woman still said that she didn't know, saying that she had just received a phone call from the child and hoped that her mother would put the room. Things are getting worse and worse. Someone called the leader and the leader came. The woman seems to see the savior, but the leader knows the whole story. The leader asked the woman to write a letter of guarantee, explain the fact and situation of owing money, and do 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 it to the public security bureau. The county public security bureau attaches great importance to the report of our unit, because we are also a government agency, and the borrowed colleagues are all dispatched by the county people's social security bureau through social recruitment, not regular employees, so the requirements and audits for them are much lower than those of regular civil servants, and the recruitment topics are relatively simple. The county public security bureau classified this case as a credit card fraud case and sent police to guard his door. Sure enough, many things happen. After waiting for half a month, the case finally made progress. Colleagues who borrowed money can't stay outside any longer, so they go home and ask their parents for money. Just after midnight, our police found out and took him to the police station for interrogation. As a result, this colleague owed 600,000 to 700,000, including more than 300,000 credit cards. At that time, credit cards could still be turned around. Later, with the overdue of a credit card, there was a chain reaction, and many credit cards were reduced. After the money is still there, the POS machine can't be swiped. In order not to be overdue, he borrowed money from his colleagues and borrowed usury on the Internet. Later, he owed more and more money. The story goes something like this. Later, the police found the parents of the children and told them the situation. The mother was so angry that she fainted at that time. Finally, they sold their house and paid back all the money owed by their children. 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 in advance is really bad. After all, it is not a long-term solution to reverse the credit card. Money is money owed. Reversing your credit card can't reduce your debt. It's just to quench thirst with poison, 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 counter the credit card, and live in a down-to-earth manner. Doesn't it smell good?

It can be poured in a short time and will explode one day. What's the matter? The blacklist of dishonesty still affects your future life.

Last year, I was in debt of more than 500 thousand, 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.