This is a very heavy topic. To this day, the tragedies we have heard and witnessed have happened again and again around us.
The prosperity and development of the Internet era provide us with convenience, but also laid the root of disaster. Online loans have become the parents of young people for food and clothing, and over-reliance on credit cards has become the life support for some people.
Wang Hongliang, a senior student, a child from a farmer's family, his father works on a construction site, his mother works at home, and his hard-earned money to support his son's school. During his time at school, Wang Hongliang saw other students put on their clothes and use their mobile phones, and he had the idea. Under the guidance of others, he entered his ID number, mobile phone number, and facial recognition with just one mobile phone, and got 10,000 yuan with no effort. This made Wang Hongliang feel extremely magical and excited. As soon as I got the money, I bought an Apple phone in a specialty store for 8,000 yuan. Because the money given by parents was not enough to spend, they could not pay back the online loan. They heard that credit cards could be cashed out, so they applied for a credit card and paid back the online loan. However, a month later, the credit card expired and collected the account. There was no way to go to the online loan again. They broke up the east wall to make up the west wall. After four years of college, Wang Hongliang actually borrowed money from three online loan companies and had five credit cards in hand. The monthly card repaid fee and installment repayment interest were as high as 2,000. It seemed that the more they were getting, the less money they had to pay back the account. From the beginning of owing 10,000 or 20,000 to the fourth school year, Wang Hongliang's debt amount reached 80,000. He was eventually burdened with debt and too much mental pressure, and suffered from depression. He had no choice but to study and finally dropped out of school and went home.
There are thousands of people like Wang Hongliang in society, especially those born in the 1980s and 1990s. A innocent young man cannot resist the temptation of life, overestimates himself, falls into the pit of online loans, and becomes deeper and deeper, destroying himself and harming his family.
Credit card development is overwhelming like a storm, and some people have tasted the pincer heads. Card swiping consumption once became a fashion and trend. As time goes by, due to the epidemic unemployment and failure to start a business, more and more people are underpaying for income. Overdue credit cards have become a playful disease for card issuing institutions. In order to maintain credit reporting, many people keep applying for cards. They return this card today, and will return that card tomorrow. In a few days, they will get another card. The handling fee of 10,000 yuan and 6 yuan. They poured the money to the bank. They worked hard for the bank a day, and their lives are still not clear. It is very difficult.
Once someone said that it is not unreasonable to destroy a person by starting with using a credit card. Blind consumption, Echizen consumption, excessive spending, you will pay heavy interest, handling fees and overdue fines. You will be happy to swipe the card for a while, and you will be full of tears. If you rely too much on your credit card to live, you will be endless troubles and sorrows.
We cannot count how many people have online loan credit cards harmed. Advance consumption, overestimating one's own abilities, and comparing vanity. In fact, this is also a serious social problem. In today's materialistic desires, temptations are everywhere. The Internet world and financial institutions have also seen people's kind and childish thoughts. They have helped us to kindergarten their early dreams by profit, making some people lose themselves, put their worries and sorrows firmly around their necks, and are busy working for banks all their lives, and life is extremely difficult.
How many people have online loans and credit cards harmed? Everyone is welcome to leave a message in the comment area for discussion.
Follow me! Share more life insights.
