Young season thinks all the time, credit card is the most convenient and the cheapest indebted way, not one of!
corresponding, if a person is indebted exorbitant, the debt that should repay is much, the risk that reimbursement of exceed the time limit is bad Zhang even can be jumped over tall, because this bank is not willing,for indebted rate exorbitant person provides farther credit service.
So, this also is why be in debt now the person with high rate, apply for very hard again borrow money or credit card. A few friends, shen Ka by refus, is because is your under one's name indebted,very large possibility too tall?
Conduction credit when, indebted rate is exorbitant, what method can reduce credit card to be in debt lead? A few summed up below:
1, deal with in installment reimbursement
In installment reimbursement is, originally the indebted exhibition period inside a loan period arrives many months.
In installment reimbursement is the cheapest, why so say?
Reimbursement shifts to an earlier date to need to pay all poundage on the market at present, the Zhang that is credit card commonly is odd in installment, cash in installment, 4 big in installment poundage rate is in 7% the left and right sides, share-holding system commercial bank 9% the left and right sides, actual year change interest rate to want to be in in installment the Double on the foundation that poundage leads, so intense proposal does not use Zhang sheet to be mixed in installment cash in installment.
But have a lot of big spending actually in installment, buy a car for instance in installment, decorate wait in installment, shift to an earlier date reimbursement is not collection the rest did not return the poundage of period number, with the Construction Bank decorate it is in installment exemple:
Hypothesis application is decorated 100 thousand yuan in installment, repay 5 minute years, at present lowest can apply for in installment poundage is led 3.8% the left and right sides, if do not shift to an earlier date reimbursement, actual year change 7.6% the left and right sides, this interest rate can have been accepted. But if be in,shift to an earlier date the first or so year reimbursement, actual year how much is changing?
Sheet of Zhang of first phase takes up actually bank financing 100 thousand yuan, the capital cost that pays more is 320 yuan, the first month is effective year changing is 3.2% ; Sheet of the 12nd period Zhang takes up actually bank financing eighty-one thousand seven hundred (before repaying 11 period capital is total about eighteen thousand three hundred) , the capital cost that pays more is 320 yuan, this month is effective year change 4.7% ;
If repaid ahead of schedule after a year all surplus capital, this year actual year change approximate (3.2%+4.7% ) ÷ 2=3.95% , have on the market under the loan of 4% ? Manage together, if be in two years when shift to an earlier date reimbursement, actual year changing is probably 4.8% ... other period number shifts to an earlier date of reimbursement actual year turn proper motion consideration.
2, cancel not commonly used credit card
A lot of friends hold much Zhang Xin uses card, but hold card overmuch and differ it is good to decide.
Above all, if you brush insufficient amount and frequency, still need every year to pay year of fee, overmuch hold credit card will surely raise the cost that hold card.
The 2nd, card is too much, forget reimbursement occasionally, every trait that the meeting on the report that sign a letter shows to you are in a bank is indebted, specific to each pieces of credit card should reimbursement amount. Show on the report that sign a letter indebted and too much, the reimbursement ability that silver-colored guild doubts you and reject to approve check.
The 3rd, if want each pieces of credit card very dish, but expenditure is spent not tall, can not promote effectively always award letter forehead to spend, still put in the trouble of credit card management. So, cancel a few not commonly used credit card appropriately, spend card amount control to be in with the forehead that give a letter oneself can susceptive is reasonable inside limits, prevent excessive spending.
3, the reimbursement before premise of Zhang odd-numbered days
Pay off debt first before enter an item of expenditure in the accounts of Zhang odd-numbered days, the indebted level in the report that sign a letter is met very low.
For instance you every month is odd-numbered days of enter an item of expenditure in the accounts 15 numbers, so in 15 before pay off debt. 15 continue to consume again later, every month such, credit card is indebted above the report that sign a letter rate will be very low. If much Zhang Xin is used,get stuck additionally, zhang odd sunrise shows coincide, can hit customer service to revise odd-numbered days of credit card Zhang, what can realize lowest with least capital so is indebted.
Discuss: You have what clever court, reduce indebted?
