28 Year Old Guy Overdraft Credit Card Business &Nbsp; Three Years Earn 6 Million

Start from scratch

In February 10th, on the first day of work after the Spring Festival, Zhang Feng and his girlfriend, Fan Lixia, were busy again.

Foreign trade companies fail to earn 10000 yuan in dream years

At home, he always worked in a factory. After graduating from junior high school, Zhang Feng did not go to school because his academic record was not very good. Instead, he helped to work at home.

After two years, Zhang Feng thought it was too hard.

In 2002, Zhang Feng, who plans to do foreign trade business, studied at Anji foreign language school. After graduation, he went to Zhejiang Technical Institute of Economics to go to university.

In 2006, when Zhang Feng graduated from University, he set up a foreign trade company by himself. But because he had no experience, he lost all his one hundred thousand yuan from his parents in a year.

No money, only to go home.

"My parents told me to go to work instead of staying at home.

But I think the world is so big, but it seems that I can't find my own heaven and earth.

Recalling the initial predicament, Zhang Feng said.

At that time, a cousin of Zhang Feng went to Yiwu to start a business after graduating from high school. After five years, he bought a car.

Zhang Feng saw in his eyes, secretly vowed that he had to work hard, but at that time the dream was to earn ten thousand yuan a year.

After half a year at home, Zhang Feng also went to the Zhenxing road for the night stalls. After all, he felt that this was not a permanent solution. He went to Yiwu to look for opportunities. He went to work for an insurance company and a real estate agency. After working for a while, Zhang Feng felt that he still liked to do foreign trade business and went to work in a foreign trade company.

Affected by financial crisis to fight online shop panning

In 2008, because of the financial crisis, the foreign trade company Zhang Feng worked for was very tough.

Just now, Zhang Feng, a university student, did a good job in Taobao business, earning ten thousand yuan a month.

In June 2008, Zhang Feng resigned simply to see if he could make money on Taobao.

Zhang Feng set a goal for himself, as long as the monthly income of three thousand yuan, can feed himself, earn fifty thousand yuan a year, buy a Chery QQ to open home for the Spring Festival, it will satisfy the heart.

With no money in hand, Zhang Feng borrowed more than ten thousand yuan from a high school classmate, earning only fifty or sixty yuan at the first day.

If Zhang Feng wants to do a bigger job, he has found three friends, and each partner has five thousand yuan. But the partners feel that the Taobao business, which can only earn a few yuan, is too tiring to see the prospect. It is a waste of time, so it has been disbanded in two months.

Zhang Feng, who has been fighting alone, has been trying to figure out how Taobao can make money faster.

There is no way out.

One day, he happened to see a gift brought back from abroad, called the sun can. It was a glass bottle that was illuminated by the sun. The light was very dim and very cute. Zhang Feng felt that the young man would like it very much and was very suitable for giving gifts.

At that time, the samples were not available in China.

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Thought of action, second days, Zhang Feng decided to produce this kind of sun cans.

But there is no money to do. The family can no longer afford to take money, and classmates and friends are embarrassed to borrow it again. When Zhang Feng is like a hot pot ant, when he is unable to do anything, a salesman who comes to see Zhang Feng let him know.

It turned out that there was a salesman from a bank who was selling credit cards on the same day. Zhang Feng thought that if he could overdraft the credit card, he would not have any money.

Zhang Feng searched through the Internet. A bank called and consulted. Some banks could handle three thousand quota, some five thousand.

Just when Zhang Feng was worried about the small amount of credit card overdraft, CITIC Bank gave Zhang Feng a reply that he could run a credit card with a maximum overdraft of 40 thousand yuan.

"It felt good to have a credit card at that time."

Recalling the lack of funds at that time, Zhang Feng told reporters.

The new sunshine tank makes a splash to earn more than ten thousand yuan in the future.

With 40 thousand yuan overdrawn from the credit card, Zhang Feng immediately took action, for fear of wasting one minute.

The core technology of this product is to use the sunlight emitting PCB to change light and to induce brightness.

Zhang Feng found a junior high school student who was proficient in electronic technology. With his help, he successfully developed circuit boards.

Zhang Feng immediately looked for an enterprise to mold and process integrated circuit boards.

After the technical difficulties, I didn't expect this product to drop on a seemingly ordinary bottle.

At that time, Zhang Feng spent more than twenty thousand yuan to open five sets of molds, leaving only ten thousand yuan for buying bottles.

Because it is in the network purchase, did not expect the bottles sent are defective products, do not meet the requirements can not be used at all.

Zhang Feng sent all the goods back the same day, second days by train to the bottle manufacturers, want to return their money.

Unexpectedly, even if this is the case, the money will only be returned to half.

There was no way out for people. When Zhang Feng arrived in Northern Jiangsu, he knew that there were many manufacturers of glass bottles.

So Zhang Feng went to find the bottle he needed.

When everything was ready, Zhang Feng took the raw materials to the rented apartment, and welded the PCB with his girlfriend to assemble the sunshine tank.

"At that time, no workers were asked to do it themselves, but they were very tired and very hard.

We were living on the four floor, and the sunshine tank was 26 kilograms heavy, and we had to carry it ourselves. "

Recalling the days of early entrepreneurship, Zhang Feng can only use the word "bitter" to describe.

Things came out, and in order to promote products, he and his girlfriend ran all shops in Yiwu.

Get up early every day, pack and deliver, then pick up the bill, then start packing again after 3 p.m., and have to take the order till 2 at night.

Since October 2008, the efforts of more than a month have not been wasted at all. The launch of the sun cans is very popular and demand exceeds supply.

At that time, customers came to pick up the goods and brought cash with them. Some of them paid a deposit in advance.

Zhang Feng and his girlfriend Fan Danxia can only process one thousand from 7 a.m. to 2 in the morning every day. From the three months starting in October, two people almost always bed together and do not eat breakfast.

Two people never stay away from home. They eat for takeaway.

Fan Danxia said that they did not even know the change of temperature outside, and they wore three clothes outdoors. They had been wearing only one piece of clothing in the room.

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In December, because of Christmas, the demand for sunlight cans increased.

Because of the small volume of shipments, many customers came to wait for the goods. Some of them called their company directly to Zhang Feng's rented room to help them assemble.

Because he was too busy to do that, Zhang Feng used the method of assembling the goods.

In that month, Zhang Feng earned more than ten thousand yuan a day.

At that time, Zhang Feng's sunshine pot caused a sensation in the Yiwu market. At the same time, there was only one Beijing enterprise in the country. Because of the good quality of Zhang Feng's products, customers came to Zhang Feng to pick up the goods here.