Recently, many friends have sent private messages to Xiaobian, all of whom are asking questions about card-raising. Since this is a relatively common problem, then this time we will give a share on this issue and briefly introduce the relevant issues for everyone.

The so-called "cards to raise cards" is actually a kind of act of dismantling the east wall to make up the western wall. Many people use credit cards without restraint and don't pay attention to their repayment ability. So much credit card debts are difficult to repay their own money. At this time, they will use another credit card to pay back. Credit cards that have not expired are still credit cards that have expired. Such an approach, we call it "card to raise cards."

However, this kind of practice can only solve temporary problems, and it is easy to bring bigger problems. If you don't operate well, you can drink and quench your thirst. Next, I will give you a brief introduction to the shortcomings of card-based card maintenance.

Disadvantage 1: High cost of credit card withdrawal

There is no handling fee for normal credit card repayment, and there is no interest during the interest-free period. However, if the card is used to raise the card, because the credit card cannot be directly transferred, it is necessary to withdraw the credit card amount. So no matter what method is used for cash withdrawal, there will be a certain fee.

Maybe someone will not care about this fee. Indeed, small amount of cash withdrawals, handling fees are not much money, but you will be able to accumulate a lot of expenses when you withdraw cash again and again. For example, basically the interest earned by credit card is 5 per thousand of the daily interest rate, then the annualized interest rate is 18%. This rate is high or low. I think everyone has a good idea.

Disadvantage 2: Capital pressure is too high, overdue risk is high

When you come to the card to raise the card, it means that your financial pressure is very big. Every month, you have to consider the problem of dismantling the East Wall to make up the Western Wall. Not only will it create a great mental burden for yourself, but it is also easy to forget a certain repayment. If there is no more money to enter, then it will be easy to hold it, that is, the circular chain that will raise the card will be broken and it will be overdue.

In fact, when you have to do card maintenance every month, you have to consider how to repay the money in a loop, the mental pressure is great. Moreover, too much energy is spent on this matter, and it is difficult for you to concentrate on what you should do.

Disadvantage 3: Illness and medical treatment, causing more trouble

After a lot of people have been doing their own cards for a period of time, they are really exhausted and will find someone to raise a card. Of course, the problem of raising the card itself is not big, and the cost is not high, but the key is that if you encounter someone who is not professional, you will be able to deduct the credit card. If you encounter someone whose motives are not pure, there will be information that will be resold and the credit card being stolen.

The above content is the three main drawbacks of card card maintenance. In fact, this method of operation is really inconvenient for individuals. If you want to solve the problem fundamentally, you should have good spending habits and don't let the credit card become our burden.

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