When I saw this topic, I laughed, credit cards are all we need, and they are also things that the public are using, and I am a very ordinary person, how can I ban credit cards?

Actually, it has nothing to do with anyone else, it's just a little bit of me, which is just a little bit of a trick on my part, canceling a few of my credit cards.

On Sunday, my husband and I went to cancel my credit card. Because all my credit cards are a total of 6, and each one has to be brushed enough six times a year, so there is no annual fee, I just desperately brush desperately to use, so that the card has no annual fee, in the past, many salesmen went to school to apply for credit cards, always said, credit cards have such and such advantages, and I was also moved by what people said.

At the beginning, I also felt that there were so many cards that could be used casually, I felt very convenient, and I also felt very glorious, because the bank card is more, it proves that your strength is the same, after doing so many credit cards, I found that there are too many cards, I can't use it, but just to increase the burden on myself, the money above, when I use it, I don't feel distressed at all, but when I pay it back, I feel that I still use my own money to spend, I don't use other people's money at all, but I feel very convenient when I use it.

But every credit card, every time you swipe money there is still a handling fee, in addition to the handling fee, if the rest of the time can not be replaced, there will still be interest, after a long time to find out, is a burden, and oh no matter how you can not win these credit cards, at the beginning it was like I played credit cards, but after a long time I found out that it was the credit card that played me.

Some time ago, I just heard that credit cards can be cancelled, so I went to Luoyang in a panic to cancel the credit card, but when I came to Luoyang, I found that the cancellation of credit cards can be canceled by telephone, and some banks do not accept the cancellation of business at all, and said that all the cancellation of credit cards is canceled by telephone, and I seem to have run in vain.

If it is in Luoyang, in this bank, although in the noisy environment outside, it sounds not very clear, but still cancel two credit cards, and the remaining three credit cards will come back and slowly cancel it in their own homes, that is the method that people say, and after asking a few banks, it is confirmed that all credit cards can be canceled at home with a telephone, there are two, directly a phone call to cancel it, and a few said to wait for people's return visits, and one is a little troublesome, said to charge an annual fee, if you don't play enough 5 times, it is to charge an annual fee of 300 yuan, and if you brush enough 5 times, you will be exempted from the annual fee,And I didn't brush it once this year.,People said that they would either brush enough five times.,As a result, the money owed is paid back.,You can write it off.,And I also found that it's like this.,Every time you say one yuan or two yuan.,It can be counted as a time.,Although it's very simple to say.,But it's not so easy to do.,When I first went to the supermarket, I found out that I bought one yuan、 Two yuan of things to go to the supermarket to swipe the card, people don't give the card at all, I went to buy more than 20 yuan, that is, 21.5 yuan to swipe the card, people can swipe the card very smoothly, these are the things I need, the second time to buy things is 50.4 yuan, people are also very smooth to swipe the card, the third time, is to buy something on the Internet, that is, to buy something on Taobao, buy a book back is still okay, the fourth time, is the snack bought on Taobao, the fifth time, I think this is the next time to go to the store to buy something？

Because I don't need anything at all now, but just swipe the card for the sake of swiping the card, and when I went to the supermarket to buy something, I bought a 2.9 yuan thing this time.

That is, I bought a pack of melon seeds and went out to eat with my husband, but later I found out that I bought melon seeds, people said, no more than ten yuan of things, do not allow the card, my God, it will be like this, or finally paid WeChat to go out to the supermarket, and I really don't know how to swipe the card for the last time, so find a way to brush it yourself, or buy books on the Internet, buy books to swipe the card.

Finally completed the five times of consumption, it is best to add up all the consumption of the five times, as well as the handling fee, after adding up, the credit card is returned, and the waiting time is only after the return of the time, people say that the 31st can be called to cancel it, then wait until the 31st, at least this time is still there.

But after a few days of tossing, I found that it is very easy to handle the credit card, but there is still a little difficulty when canceling the account, but such a credit card is still slowly all written off by me, although I later, it is not very convenient to use, but it is also a reduction of a lot of troubles, so that my life gradually becomes simple, not only the simplicity of life, but also the simplicity of other aspects, and now I have a credit card, when I use this credit card, I will still cancel this one, and leave one, but also leave me a little leewayI can still use it when I want it.

I wrote so much, said that I blocked the credit card, in fact, this is my life, just add some simplicity, not like other people's lives, there are so many credit cards, there are so many joys of life, people and people's ideas are different, in fact, there is really a person in the world, he has more than a thousand credit cards, that is, this and that and this one, and finally people become rich, and I can't do it, and the people around me also told me that if they have a lot of credit cards, they don't even remember the day of repayment。

I'm the same, sometimes I will still be tired by these repayment days, I don't remember what the repayment day is when repaying, I will always forget, so it will cause some overdue, cause some unnecessary troubles, and when I don't have money, then use less, instead of using a credit card like this, and finally find that when repaying, it is so tired, or take good care of your funds, don't overdraft like this, a person's life is the same, when you invest too much, even you can't pay back other people's funds, what should you do？

So when you use the overdraft money, you still have to think about the consequences.