It's a big deal! The guy owed 190,000 yuan on his credit card before he was imprisoned, and it rose to 1.2 million three years later!
After Mr. Han was released from prison, he was shocked by the bank's surging 1.21 million bills. The bank charged a high amount of interest on the grounds that it was overdue, and Mr. Han's plea was rejected despite the fact that he presented proof of serving his sentence. After the media intervened, the bank concession was reduced to 400,000. Legal experts believe that although the bank's behavior is not illegal, the moral level should be more humane in dealing with the debt issue.
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The comments of netizens on this matter exploded
Netizens said that the debt of 12,000 yuan to the credit card has risen to more than 25,000 yuan after being overdue for more than 2 years, and they also said that it is illegal and criminal to roll over the profit, and they will not pay back a cent. Such an attitude is not advisable.
Netizens have a lot of discussions about Mr. Han's experience, some think that this is similar to online loans, it is a fraud and robbery, and some are shocked by such a high interest rate.
The bank rolled the arrears from 190,000 to 1.2 million, accused of usury, and forced people to death
How to avoid getting into a credit card debt crisis
In modern society, credit cards have become an indispensable payment tool in people's lives.
However, with the popularity of credit card use, the credit card debt crisis has gradually become a problem that cannot be ignored.
Once you fall into a credit card debt crisis, it will not only bring a heavy financial burden to the individual,
It can also affect an individual's credit history and quality of life.
So, how can we avoid falling into a credit card debt crisis?
1. Establish a correct concept of consumption
The first task to avoid a credit card debt crisis is to establish the right concept of spending.
We need to recognize that a credit card is only a payment tool, not a source of funds for unlimited overdrafts.
When consuming, we should make reasonable arrangements for consumption according to our actual income and economic situation, and avoid excessive consumption and blind consumption.
Don't recklessly swipe your card in pursuit of momentary gratification, and always be rational and calm.
Abandon comparison and vanity, and don't have what others have because of what they have.
Understand that true happiness and fulfillment come from inner fulfillment and contentment, not material accumulation.
Only by establishing a correct concept of consumption can we fundamentally avoid falling into a credit card debt crisis.
2. Rationally plan the consumption budget
Before using a credit card, we should make a reasonable spending budget.
Determine how much you can spend each month based on your income and expenses, and spend exactly what you budget.
Allocate the consumption budget to different categories, such as daily necessities, entertainment, tourism, etc.,
Make sure every purchase is within your budget.
When formulating a consumption budget, it is necessary to fully consider the various possible expenditures and avoid the situation of insufficient budget.
It is necessary to regularly adjust and optimize the consumption budget to meet the needs of different stages of life.
By planning our spending budget, we can effectively control our credit card spending and avoid overspending and debt accumulation.
3. Choose your credit card carefully
There are a variety of credit card products out there, and we should be cautious when choosing a credit card.
Choose a credit card that suits you according to your spending needs and repayment ability.
Don't blindly pursue a credit card with a high limit and high equity, and ignore your actual needs and repayment pressure.
Be aware of the fees and terms of your credit card, such as annual fees, interest, late fees, etc
Avoid unnecessary expenses and liabilities due to not knowing this information.
Choosing the right credit card can provide us with more convenience and protection for our consumption and repayment.
Reduce the risk of falling into debt crisis.
4. Repay the loan in time to avoid overdue
Timely repayment is the key to avoiding a credit card debt crisis. We need to develop a good habit of repaying on time
Make sure you pay your bills on time and in full.
Don't delay repayment to avoid incurring late interest and late fees, which can increase your debt burden.
If you encounter difficulties in repayment, you should communicate with the bank in time to seek solutions.
Don't shirk your repayment obligations, as this will have a serious impact on your credit history.
By making timely repayments, we can maintain a good credit history while also avoiding further accumulation of debt.
5. Control the frequency of credit card use
While credit cards bring us a lot of convenience, over-reliance on credit cards can also be risky.
We need to control the frequency of credit card use and minimize unnecessary card spending.
For some purchases that can be paid in cash, try to choose cash payment and avoid overusing credit cards.
Avoid frequently applying for new credit cards, which can increase the debt burden and make it difficult to manage.
Controlling the frequency of credit card use allows us to use credit cards more rationally and reduce debt risk.
6. Check your credit card statement regularly
Checking your credit card bills regularly is one of the important measures to avoid a credit card debt crisis
We must develop the habit of checking credit card bills regularly and carefully check every consumption record.
Ensure the accuracy of your billing. If you find any abnormal transactions or wrong information, you should contact the bank in time to deal with it.
By checking your credit card bill regularly, we can identify problems in time and avoid unnecessary losses and debts.
At the same time, you can also reflect and adjust your own consumption behavior to improve the rationality and planning of consumption.
7. Improve your financial management skills
Avoiding a credit card debt crisis requires us to manage our spending and repayment well.
You also need to improve your financial skills. We must continue to learn financial knowledge and master basic financial management skills and methods.
Improve your financial management.
You can improve your financial skills by reading financial books and attending financial courses.
At the same time, it is necessary to actively practice and apply the financial knowledge learned to practical life.
Accumulate financial experience. By improving your financial management skills,
We can better manage our finances and avoid falling into a credit card debt crisis.