he increasingly difficult to borrow money.

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he increasingly difficult to borrow money.

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Started 10 years ago by svdlkIOf1c7

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svdlkIOf1c7
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 Five years ago to do the first credit card,http://www.christophe-wallemme.com/web/spip.php?article73, and now hold the hands of 12 banks in the credit card, 37-year-old Zhang (a pseudonym) is now a little desperate: he owed the principal plus interest banks totaled 11 million! From the beginning of July last year,http://www.saitama-chosashi.or.jp/topics/news_detail.php?news_id=162, Zhang has not yet out of the credit card minimum payment, the bank suffered a debt payment of "killer comic call", if you do not pay back the money, possibly in "credit card fraud" was indicted on charges of bank. "When I knew that there was only a credit card, you can spend tomorrow's money today, which expect more back later more debt, more and more do not play ......" There is a discount gift 5 years, he organized a 12 credit card Zhang Quzhou people, after graduation has been engaged in sales, income instability, the annual income is generally 3-50000 yuan. In 2006, when his monthly income of only one or two thousand dollars,woolrich outlet milano, to see do have a gift card, he does run out of their first credit card. "A lot of banks do have business credit cards are its benefits, as well as gifts to send, I think the bank card to do always need them, so run down one by one, run out 12 credit cards." Start, Zhang credit card very carefully, brush one or two hundred a month,http://www.kansmemo.com, always pay off in full in advance, credit card all feel convenient and practical. Later, credit cards more and more, the effect of the repayment slowly up, you can also feel the minimum amount on the line. He did not know,http://211.86.128.2/gjjl/Review.asp?NewsID=595, who do not have the credit card debt is slowly accumulated interest. Credit card spending quite happy Pay back the money robbing Peter to pay Paul thanks In recent years, Zhang frequent job-hopping, almost once a year. "May lack individual career planning it, every time slot hop, I have to start from scratch." The results do cause is that every job Zhang's lack of accumulation, income is always walking around in circles. Later,http://www.democratie-socialisme.org/spip.php?article3626, he decided to quit the civil service exam. Starting in December 2007,tn reuqin pas cher, he began full-time study in the absence of any savings circumstances, this situation lasted for a year. During his living expenses thanks to credit card: A card brush, now also with Katy B account. Thus robbing Peter to pay Paul, maintain a year. Not only that, he is required to pay social security payments each year, also thanks to credit card payments. Later, civil servants not admitted,doudoune moncler femme, Zhang re-enter the workplace, or sales, or income is not high, still accustomed to using credit cards. Even the minimum payment is not yet on when to borrow money from a friend or colleague. Slowly,moncler Outlet, he increasingly difficult to borrow money. 110000 card debt weakness also Dunning phone one day seventy-eight Zhang also thought to help the family. Helpless home in the countryside, it is not the economic capacity. Zhang said the bank dunning phone call one day and sometimes even receive seventy-eight,http://ist.s161.xrea.com/b/apeboard_plus.cgi?co%3C/div%3E%3Cdiv%20style=&msgnum=39/, which makes him uneasy, for fear at work, when you see clients receiving dunning calls. Later, he consciously avoid answering a cell phone, which made him miss a few clients and colleagues on the phone. "Really is a vicious cycle, the more dunning bank, my job status and attitude worse, had no desire to take more work, more income can not keep up, not on more money." Zhang said in frustration. Not full payment and cash withdrawal with credit card bad habits, so that the debt snowball getting bigger. Zhang own estimates, 110,000 yuan in arrears, the principal only about seven million, the other is interest, cash withdrawal charges and late fees. Zhang now also think of ways and various banks in consultation, let yourself think of a way also on the card debt. He is most worried about is that if the bank insists on repayment deadline and he is not on, may be charged to court. At that time,louboutin femme,http://ec-maraichere-49.ac-nantes.fr/spip.php?article284, he would face jail. Using a credit card, you should know Credit card is not better - Reserved twelve conventional credit card, full repayment on time, so that the amount of the cumulative increase slowly enough. Do not be "minimum payment" confusing - just repay the minimum amount, credit history will not be affected. But it must be clear, if not full repayment,http://girlsloco.com, interest may be low. Credit card cash withdrawal worthwhile - Credit card overdraft cash withdrawal not only enjoy interest-free, you must pay a fee. Credit card and savings to save money is not the same - credit card deposit without interest. Using their credit cards to make short-term investment risk - the use of credit cards as a short-term investment, once can not be repaid, one to the back of compound interest debt, and secondly, that may affect the personal credit history. (Edit: SN002) 

Posted 10 years ago #

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