The Black Card

Shi Lei is understandable, but what comes with it is that Shi Lei feels the discrepancy of the score.

He also asked: “Second-level, five-star consumption is actually not even very much? Because I still have a two-star consumption, there is also a contribution to the card upgrade. Even if the last one is not counted, then the two-star consumption can still add a little bit. ”

The scepter’s explanation is: “The bonus points for each five-star consumption of the second-level employees are very high, and the two-star consumption is divided by four points. The card upgrade is an additional bonus, which is not included in the scoring system and will not be counted. However, since you have deferred spending, although this can meet the consumption rules, it is still considered to be bad consumption, so you are deducted four points. ”

Shi Lei was not shocked and immediately asked: “Deferred consumption refers to the 100,000 yuan I recharged at the racecourse?”

“Yes.

“All deferred consumption will be deducted as long as it does not violate the Code?”

“Yes. The scepter already knows what Shi Lei is thinking, but he is helpless. The code for it is to ask it to answer questions and not to lie.

Votes Great! Then, if the loan buys a house and buys a car, can it be counted as deferred consumption? ”Shi Lei eagerly asked, 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 a good car. This problem is always hidden in his heart. After all, the loan is not only the current quota, but also the amount of the next few cycles can be easily spent, The Black Card may not recognize such consumption.

The scepter once again reluctantly replied: “Yes, but the total amount of the loan cannot be more than twice the amount of each cycle.”

“Does this double include itself or not? In other words, I have a million dollars now, can borrow two million, or can only borrow one million?”

“The maximum amount of loans that secondary employees can currently borrow is two million yuan. There can be no further deferred consumption of loans before the loan is paid off.”

Shi Lei smiled and he was clear about the details. If this is the case, then this month’s quota is best for buying a car. It costs 700,800,000 yuan, buys a 2.78 million car, and loans a total of 2 million yuan. This month , For the next three months, Shi Lei didn’t have to worry about spending money.

Spending a dozen or 200,000 a month, Shi Lei is still very easy to accomplish.

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

“Can interest on the loan be paid in a quota?” Shi Lei calmly asked this question.

The scepter suddenly became extremely angry. It was simply roaring: “Stupid marmot, why are you so many problems, you can’t ask a few questions. I told you very clearly, with your current negligible amount, it’s the last word to spend your money … “

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

Quite simply, the interest paid on a loan cannot be repaid with a quota, and it must use its own funds.

Shi Lei and think of that sports car male, further thought, sports car male death, not just because of that 100,000 yuan, is not necessarily because of the amount of his consumption is not recognized by the Black Card consumption, there is a possibility that his sports car is a loan to buy back, he undertook a lot of interest, He thought the interest would be paid out of the quota. In short, the death cause of the sports car man is formed by many comprehensive conditions. Otherwise, the area of ​​100,000 yuan should not be his life.

Regarding this sports car man, Shi Lei feels that he can completely throw it aside. He has not paid much for the amount of money. Shi Lei has no idea that he has already known that the sports car man died in a very complicated consumption that is not up to standard. This is enough..

After the scepter calmed down, he answered Shi Lei’s question: “The interest generated by loan consumption must be borne by the second-level employees and cannot be included in the quota.”

Moreover, Shi Lei realized that the money he rented should also be considered as deferred consumption. Among the four points of the first-level deduction, there should be a deduction for the transaction. But at the first level, he also made a mistake, which means that the deducted score is not four points, but this deferred consumption is deducted by four points…

Shi Lei snapped his finger and said, “Then continue to the next question.”

“Are you still finished ?!”

Shi Lei shrugged his shoulders and said nothing. “Of course, I have the right to ask questions, and you must answer, aren’t you?”

The scepter does not speak, and Shi Lei does not care about it. He directly asks: “Deferred consumption will be deducted. Is the score of this deduction point fixed or different depending on the amount?”

“Depending on the amount, the deduction is not equal.”

Shi Lei nodded and said: “So, that is to say, every deferred consumption will be deducted a certain amount. At the second level, the deferred consumption of 100,000 yuan will be deducted by four points. If I borrow two hundred. Wan, isn’t that going to be deducted 80? “

“The amount of deferred consumption and the score are not equal. How to deduct the points, you don’t need to know.”

Shi Lei nodded, and said that it is impossible to have such a big bug. It doesn’t matter.

Weiter Deduction points, is it only deducting extra points, or will it be deducted with the base score? ”

The scepter no longer wants to talk to Shi Lei any more. It finds that no matter what he says, Shi Lei can find new problems.

Therefore, it is extremely concise and succinct: “The extra points are deducted first, and the base points are deducted when there are no extra points.”

“According to the consumption of each cycle at least six points, that is to say, without deduction, ten cycles will definitely be upgraded. However, because of the deductible consumption, it is very likely that after ten cycles, I still can’t reach 60, even if the bonus score is not reached. So, will I be allowed to stay at the second level, or will I be punished? ”

Punishment Of course it is punishment! Ten cycles must be completed, this is your longest term in the second! ”The scepter is in a hurry.

Shi Lei also seized a loophole and said: “The longest period of the second level is ten cycles, and the third level? Less than ten times or more than ten times.”

“Stupid groundhog, you can’t know the third-level thing. Do you want me to force you to give you some punishments before you learn the lesson and no longer explore the third-level or higher?”

Shi Lei rushed to accompany the smiling face and waved his hand and said, “Do you discuss it? If you can’t say it, don’t move it and call it to kill what punishment.”

“Heng!”

The scepter is still proud, Shi Lei is talking to himself: “That seems, you can not blindly use deferred consumption to deduct points to delay the speed of upgrade, or need better control, as much as possible to delay the upgrade time, But it is guaranteed to reach at least 60 in ten times. “Shi Lei has simply calculated that the ten consumption cycles can theoretically get a base score of three percent, but if there is no penalty, the two perfect scores will be upgraded directly. He will not encounter it. Excessive situation. With the existence of the deduction, the score is deducted, he needs to ensure that there are enough base points in the future consumption, otherwise, the ten consumption cycles are full, the basic score is less than sixty. He will be obliterated.

This is actually quite dangerous.

The scepter has completely ignored Shi Lei. This kid is a monkey.

“Are you finished?” If you have finished asking, please start the draw! ”I haven’t let the lottery before, but now I want to let Shi Lei draw the prize. The scepter only feels tired and tired.

“Don’t worry, there is one last question.”