Why do some people become slaves? This is because on the one hand, it is too easy to withdraw money through credit card overdraft; On the other hand, the threshold for handling credit cards is getting lower and lower, and the requirements for cardholders' repayment ability are not strict. In particular, in order to promote credit cards, some bank staff exaggerated their cash-out function and deliberately avoided their potential risks, which led some inexperienced young people to take risks. Repeated cash withdrawals from overdrafts, credit cards from several different banks, constant cash withdrawals to pay back the money, and repeated robbing Peter to pay Paul, but they did not have the ability to make money. Over time, they became poor and hateful card slaves.
Taking cash from a credit card to satisfy your unlimited desires is like gambling. At first, I gambled happily, but later I won slowly and wanted to win again. I lost and earned my money back. As a result, one gambled too much and lost, and then lost too much and wanted to win money, so he became addicted to gambling.
Here, I would like to advise young people to strive for it with their own hands at all times. Few things fall from the sky, and there is no free lunch forever. At the same time, while promoting credit cards, banks should also pay attention to the risks of credit cards, and there is still a price to pay for owing money.
Alas! Kanu! What a sad name! ! All card slaves are actually synonymous with overreaching! ! They have the same dream! A dream of making money for nothing! By your own cleverness, I fantasize that there is a shortcut to get rich! Finally, I was at a loss and my life was a mess! Some even ended up hiding from the bank's debts, all of which became street rats hiding in the open air! ! My brother, a colleague, is a real slave! Obviously, I can't afford to buy a luxury car! To give face to my girlfriend! I have set up credit cards in seven banks. Don't you know that the cards have to be repaid on time? The final result of five horses and six sheep is to be recovered by several banks! Finally, I couldn't help but sell the car and owed a lot of money to my seven aunts. Finally, I returned the money from the bank card! But the daughter-in-law also ran away! Who will spend a lifetime with such an unreliable person? So, people, we must live in a down-to-earth way, and we can get happiness with our own labor! ! It's unrealistic to be smart without anything! In the end, you can only be smarter than you! Kanu really shouldn't! You will regret it for the rest of your life! ! !
The card slave is generally caused by the imbalance of income and expenditure without control.
First, ignorance, ignorance, little understanding of financial products! Many wealth management products are risky! And many people will be blinded by the superficial interests of finance! For example, credit cards, many people understand the last repayment date as the repayment date! Is it a terrible thing! This means! It is easy for you to exceed the time limit and cause 6.5 points or higher use cost!
2. Many times, credit cards are free! But financial products. Especially loans, just like taking drugs in the past, always say, how can I use them? ! And pay interest! I can't live without it after using it!
So credit card is a double-edged sword! Only by knowing him can you use it!
The emergence of "card slaves" is not only caused by economic and social reasons, but also by the lack of personal economic ability: they overdraw their ability to pay. In fact, the way they became slaves is not complicated, which can be roughly summarized into three types:
1, swiping a card is too cool to blink into a card slave.
"Enjoy life in advance" and "Spend tomorrow's money to realize today's dream". Under the attractive slogan, it is becoming a common behavior for many young people to borrow money to buy a car, a house, home appliances, clothes and credit card overdraft. According to a survey on the consumption view of young people in China, 57% of them said that they would "use tomorrow's money to do today's things."
The vanity brought by fashion and the pleasure of spending in advance make credit cards an indispensable "necessity" for fashionistas in modern metropolis, even ordinary working-class people and students, just like the popular "mobile phone", one for each person, or even a variety. Many people have one, two or even more credit cards. The number of "Carmen" is increasing and the "Kanu" ethnic group is also growing. Every time I swipe my card, I always feel very happy, but I didn't consider that the money I swiped on the day of deduction was the money I had earned. As before, they all swipe their cards, but the effect is different after swiping them. I used to swipe my debit card and spend the money I earned. Seeing that Cary has less money, it's different. I swiped my credit card and spent the money later. There is no heartache because I can't see the real numbers. Many people have the feeling that if they want to take out cash from their pockets when buying a dispensable item, they will definitely weigh the pros and cons and even give up. But if you pay by credit card, it will be very refreshing. In their minds, swiping a card is not painful, but counting money will be a bit reluctant. This is human psychology.
2. Raise debts with debts and accumulate them into card slaves.
Some people say that the revolving interest of credit cards is actually a timely help, and it is getting bigger and bigger. Many people agree that the use of bank cards is a symbol of progress. In addition, the bank also launched the activity of "swipe your card to get a gift", which made more and more fashion people join the ranks of "cardholders". As a personal financial business product, credit card is rapidly spreading among young people and has become a popular payment method. But because many people don't understand the principle of "living within our means", some people even regard borrowing money in turn as a way to enjoy life in advance. They have credit cards from different banks, and some people have done more than a dozen at a time in order to "raise cards with cards". This seemingly fashionable way of managing money has actually fallen into a vicious circle of circulating interest. Excessive use of credit cards can easily lead to debt.
The vicious circle of "borrowing" makes you fall into the strange circle of "card slave". Behind the increasing number of "card slaves", the hidden dangers of credit cards are gradually emerging.
3. Card issuing threshold is low, and card slave is the catalyst.
In the hands of some card issuers, credit cards are almost free goods, always tempting customers to take the bait. A bank card expert analyzed that banks have an unshirkable responsibility for the existence of a large number of "card slaves". In order to improve performance, there is no threshold for banks to issue credit cards, and some banks advertise that "you can get a card as long as you can breathe"; Some banks use cardholders who are already in debt trouble to induce them to raise their cards with cards and pay off their debts with debts; Most banks have also reduced the minimum repayment ratio of general credit cards and cash cards, and only need to repay 2% to 5% per month. That is to say, if you pay 200 yuan at least once a month, you can overdraw 1000 yuan, which makes cardholders relax their psychological vigilance and get expenses that are not in line with their affordability. Such a low threshold leads to a large number of card issuance, which leads to a sharp increase in "card slaves" in the short term.
By the end of 2009, there were 5 1 card-issuing financial institutions in Taiwan Province Province. Although there are few "card slaves" like Chinese mainland Province, it is an indisputable fact that loan consumption has become a fashion. Many people regard advanced consumption as a fashion and are proud of updating their concepts, so that they become new "losers". It is not uncommon for a large number of loans to exceed their repayment ability and eventually be overwhelmed by high debts.
In order to expand the number of cards issued, banks have adopted various means and channels to promote credit cards. In China, credit cards have become as popular as mobile phones and computers. This is a trend and a trend. The procedure for handling credit cards is surprisingly simple. Customers only need to provide copies of their ID cards, which vary in number. Judging from the development trend of domestic bank card industry, the development of credit card is about to enter an explosive growth stage. However, many consumers are attracted by the additional conditions of credit card processing. Under the great temptation of "consume first and then repay", a large number of consumers have fallen into the water.
People with cards always feel rich.
Credit card is also a double-edged sword, depending on how you use it. You used it very well. It is wealth. If you don't use it well, you will hurt yourself. This reflects a person's cognitive ability and self-control. Several people around me use cards well. The knife cuts bread and fingers. You can also take back the boat.
It shows that it is too easy for people to owe money now. . . Once you get used to it and exceed your repayment ability, you will be stuck.