Whether we consume or invest, we must be rational and not consume excessively in advance. Usury can't be touched!
Now credit information is becoming more and more important for us personally. We must take good care of our own credit and not wantonly destroy it. Once our credit is black, it will have a profound impact on our lives.
Can black households still borrow money?
In the future, black households cannot say that they absolutely cannot borrow money, but they certainly cannot borrow money from regular banks. After all, regular banks will check your credit when borrowing abroad.
For black households, they can only borrow usury from some small institutions! These small agencies will not check your credit report, but if you can't pay back the money on time, they will also let the special collection agency carry out violent collection.
When you borrow usurious loans in the future, you must think twice!
What is a black household?
Black household is just a folk name, and it is more accurate to say that there is overdue behavior in your credit reporting record. Now the regular bank, after the loan can not be returned on time, will be registered in the credit reporting system.
And the current credit reporting system is updated very quickly, generally speaking, there is overdue behavior on the same day, and the next day it will be registered in the credit reporting system. After all, for banks or financial institutions, they update the credit reporting system at the time of T+1.
Consumption needs to be rational and cannot be overdrawn
When we consume, we must not over-consume. Now the consumption habits of the people in our country are also undergoing tremendous changes, and credit cards and other consumer finance models are also increasing.
Against this backdrop, we cannot be fooled by current consumer advertising. Our own economic strength is known only to ourselves.
In such a situation, once we have vanity, the consequences are terrible. We can rely on the convenience of consumer loans or credit cards now to satisfy our own vanity.
However, the money is not blown by the wind. Although the money you spend will not be allowed to be repaid now, it does not mean that you do not need to repay it in the future.
Now our vanity is satisfied, but we may be dumbfounded when we pay back the money! Our behavior still needs to be borne by ourselves. We cannot take chances.
Rational consumption is what we should do the most!