Shi Lei understood, but what followed was that Shi Lei felt that the score did not match. Pen, fun, pavilion www. biquge。 info

He asked again: "Second-level, five-star consumption is not even ten points? Because I also have a two-star consumption, and there is also a contribution to upgrading the card." Even if the last one is not counted, then the two-star consumption can still add a little point. ”

Scepter reluctantly explained: "The bonus points for each five-star consumption of second-level employees are 10 points, and the bonus points for 2-star consumption are 4 points." Card upgrades are additional rewards, which are not included in the scoring system and will not be counted. However, since you have deferred spending, although this can meet the spending rules, it is still considered bad spending, so you will be deducted four points. ”

Shi Lei was not surprised, and immediately asked: "Does the deferred consumption refer to the 100,000 yuan I recharged at the racecourse?"

"Yes. ”

"All deferred consumption, as long as it does not violate the code, will be deducted points?"

"Yes. The scepter already knew what Shi Lei was thinking, but helplessly, for its rules, it was required to answer all questions, and it couldn't lie.

"Praise! Praise! So, can a loan to buy a house and a car be counted as deferred consumption?" Shi Lei asked eagerly, he wanted to ask this question before, but because the amount was too low at that time, even if it was a loan, he couldn't buy any good cars and houses, and this question was something he had always hidden in his heart. After all, the loan is not only about the current amount, but also about the amount that can be easily spent in the next few cycles, and the black card may not recognize such consumption.

Scepter replied helplessly again: "Yes, but the total amount of the loan must not be more than twice the amount of each cycle." ”

"Does this double include itself or not? That is, I have a million now, can I borrow two million, or can I only borrow one?"

"At present, the maximum amount of loan that a second-level employee can borrow is $2 million, and there shall be no loan-type deferred consumption until the loan is repaid. ”

Shi Lei smiled, he was already clear about the details in this regard. If this is the case, then this month's quota is the most suitable to buy a car, spend seven or eight hundred thousand, buy a car of two seven or eight hundred thousand, a total loan of two million yuan, except for this month, the next three months, Shi Lei does not need to worry about spending money.

Spending more than 100,000 or 200,000 yuan a month, Shi Lei can still complete it very easily.

However, there is still a problem, Shi Lei always feels that there is a pit here.

"Can the interest on the loan be paid with the amount?" Shi Lei asked this question calmly.

The Scepter suddenly became extremely angry, and it literally roared: "Stupid groundhog, why do you have so many questions, you can't ask a few fewer questions." I've made it very clear to you, with your current insignificant amount, spending your money well is the last word......"

Shi Lei smiled again, although the scepter had not yet answered, he already knew the answer to the question.

Quite simply, the interest paid on the loan cannot be repaid with the amount, and you must use your own funds.

Shi Lei thought of the sports car man again, and further thought that the death of the sports car man was not just because of the 100,000 yuan, nor necessarily because there was a consumption in the amount of his consumption that was not recognized by the black card, and there was also a possibility, that is, his sports car was bought back with a loan, and he bore a lot of interest, and he thought that the interest could also be paid from the limit. In short, the cause of death of the sports car man was formed by many comprehensive conditions, otherwise, a mere 100,000 yuan should not have killed him.

Regarding this sports car man, Shi Lei felt that he could completely throw it aside, how much less did he have to spend it, Shi Lei didn't want to know, he already knew that the sports car man died because of the very complicated consumption substandard, which was enough.

After the scepter calmed down, he still answered Shi Lei's question: "The interest generated by the loan consumption must be borne by the second-level employee and cannot be included in the limit." ”

Moreover, Shi Lei realized that the money he rented should also be regarded as deferred consumption, and among the four points deducted at the first level, there should be a point value deducted from this transaction. But he also made a mistake at the first level, that is, the deduction for renting is not four points, but this postponement of consumption is deducted four points......

Shi Lei snapped his fingers and said, "Then move on to the next question." ”

"Are you still finished?!"

Shi Lei shrugged his shoulders and said indifferently: "Of course it's not over, I have the right to ask, and you, you have to answer, don't you?"

The scepter was silent, and Shi Lei didn't care about it, and asked directly: "Points will be deducted for deferred consumption, is the value of this deduction fixed or is there a high or low according to the amount?"

"Depending on the amount, there is no difference in the deduction of points. ”

Shi Lei nodded and said: "So, that is to say, every deferred consumption will be deducted a certain number of points, in the second level, the deferred consumption of 100,000 yuan was deducted four points, if I borrow two million, wouldn't it be deducted eighty points?"

"There is no equal ratio between the amount of deferred spending and the value of points, and you don't need to know how to deduct points. ”

Shi Lei nodded, and said in his heart that it is really impossible to have such a big bug, it doesn't matter.

"Go on. Will the deduction be just an extra point, or will it be deducted along with the base score?"

The scepter didn't want to talk to Shi Lei anymore, and it found that no matter what he said, Shi Lei could find new problems.

So, it replied extremely concisely: "The extra points will be deducted first, and the base points will be deducted when there are no extra points." ”

"According to the consumption of at least six points in each cycle, that is to say, on the premise of not deducting points, ten cycles will definitely be upgraded. However, because of the existence of deducted points, it is very likely that after ten cycles, I will still not reach 60 points, even if I add extra points. So, will I be allowed to stay in the second level, or will I be punished?"

"Punishment, of course, ten cycles must be completed, this is the longest period you can have in Level 2!"

But Shi Lei seized another loophole and said: "The longest period of the second level is ten cycles, and what about the third level? less than ten times or more than ten times." ”

"Stupid groundhog, you can't know about the things of the third level, do you want to force me to give you some punishment before you will learn a lesson and no longer inquire about the things above the third level?"

Shi Lei hurriedly accompanied the smiling face, waved his hand and said: "Let's discuss it, you can't say it, forget it, don't shout and kill at every turn." ”

"Humph!"

The scepter is still arrogant, but Shi Lei is talking to himself: "It seems that you can't blindly use deferred consumption to deduct points to delay the speed of upgrading, you still need better control, delay the upgrade time as much as possible, but ensure that you can reach at least sixty points within ten times." Shi Lei has simply calculated that ten consumption cycles can theoretically get a basic score of up to 300 points, but if there is no point deduction, the two full scores will be upgraded directly, and he will not encounter a situation of over-score. And with the existence of deducted points, he needs to ensure that he gets enough basic points in his future consumption, otherwise, when the ten consumption cycles are full and the basic score is less than sixty, he will be wiped out.

It's actually quite dangerous.

The scepter doesn't want to pay attention to Shi Lei at all, this kid is a monkey with sticky hair.

"Are you done asking? Why don't you start the lottery!" From not allowing the lottery before, to now taking the initiative to let Shi Lei draw the lottery, the scepter only feels that he is so tired, and his heart is so tired.

"Don't worry, there's one last question. ”