Do you realize that you need to stay away from "painless consumption" and have you been plagued by these installments for a long time? Be sure to control yourself from now on and stay away from installments.
Last month, your credit card, your flowers, your white strips... How much does it add up? Do you use the oversched repayment feature?
Now many apps have quietly changed the default payment method to their own consumer loans, creating an illusion of "painless consumption". Even if you can't pay it back, you can choose to repay it in installments.
I have helped a number of small partners with card debt to calculate that the actual interest rate of installment repayment is actually more than 10%.
More and more consumption stimulus and more and more convenient borrowing channels make us may be closer to the butterfly effect of debt.
Are you aware of all this?
