Seven conscience advice to Karna
Every day, some readers and netizens come to Xiaobian for consultation. A large part of them are credit card swiping and falling into the card slave trap. In response to this situation, Xiao Bian feels it is necessary to give some advice to these friends who use the card, and friends can look down.
First, don't think that credit card money does not cost
Credit card money is borrowed from the head office and branches of the credit card department. Your credit card amount is the head office to the credit card center. Your installment amount is borrowed from the credit card department to your local branch. All the money on the credit card has his cost. How high is the cost? Think about the interest rate of your deposit, think about the money you bought, you know, in fact, the credit card money is not cheap.
Second, credit cards are also making money.
The small head is the handling fee for your card swiping. In 2016, your 96 fee fee is basically 0.6%, and some hand brushing rate is 0.65-0.68%. The big head is all kinds of staging. Many people look at the handling fee for each period and it seems that there are very few points. However, many people have calculated that the annualized interest rate will be 18%, which is higher than many usury. Therefore, when you are really short of money, don't just stash, unless you have a chance to make a lot of money in the short term, otherwise you will face the burden of usury.
Third, the bank is really not a philanthropist.
Do you think that you owe money to the bank, can the bank take you? There are more banking methods than you think. In order to recover his losses, he can find your friends, find your colleagues, find your family, and then find a lawyer to find a debt collection company, unless you hide in the mountains and forests for a lifetime. Come out, otherwise your life will be really ruined.
Fourth, there are really not many places in the world where you can make money.
You see the stock market recently, and it was hit from 3,100 to 3,800. Now the hardships of industry, really do not have so much money for you to earn, you feel that if you can really make big money, why are you discovered now? Not so many years of crouching, Ma Dashu and Xiao Ma’s classmates are not all over the place.
Fifth, credit is really more precious than you think.
Now maybe you have seen too many people who have lost their trust and lost faith. You may not believe that good people have good news. You see that so many people in SZ City sell their houses when they are going to sell for dozens of millions. But unless you are suffocating, your cattle don't dare to move you, or you don't deal with the bank for a lifetime, otherwise, the traces on your credit will tell others that you used to be a person who lost faith. Maybe one day you met someone you love, you want to get married, buy a house with a loan, and you are sorry, you have a problem with the credit card, you can't pay for it, and you may regret it that day.
Sixth, there are really difficulties, or ask parents and family first.
They are the ones who love you the most and the only ones who can help you out. You don't even believe them, who else in the world can believe?
Seventh, do your job well.
To play cards, start with brushing wool. Those are the money that the bank pays you in real money to encourage you to spend.
Summary: Here, remind friends who blindly invest in credit cards. Use a credit card to invest. Don't look at any tips and instructions on the Internet. You don't want to think about it. How can such professional skills be circulated on the Internet? Will your company's parts manufacturing technology be seen online? Playing credit cards, it is recommended that friends start from the basic place. If you cut wool, you can cut the bank wool. Then familiar with the various stages, interest and rules, and then slowly start using credit to invest in wealth management. Because the bank is really not good, blind investment in the unfamiliarity of credit card rules is really easy to be trapped by the bank. I hope this information will help my friends.
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