Never doing online loans again. Damn, went to the bank these past few days to get a Visa and Mastercard credit card so it’d be more convenient for me to go to Hong Kong or overseas. But after visiting several banks, no luck. Turns out my credit report is a mess. Checked it and found out there were hundreds of inquiries in the past 2 years Then I found a self-help method on the almighty Xiaohongshu: Clear your debts + cancel your credit report account + delete online loan apps And don’t make any inquiries for the next 6 months. Seems like every time I applied was when I was playing with contracts or shitcoins and ran out of cash. A good friend of mine told me before that I’m not suited for trading contracts or playing with shitcoins. At most, I should just stick to spot trading. I calculated, and over the past few years, I’ve lost about 1 million on contracts and memes. If I had used that 1 million to buy ORDI, wouldn’t that have been better? Or TRUMP? Wouldn’t that have been better? But sadly, life doesn’t have a “what if.” At 22, some people have already made a fortune. Me? I’ve just paid a ton of tuition fees.