Why are more and more people reluctant to use credit cards?

1. In the past, having a credit card seemed to be something worth showing off, and many people tried to apply for one, but now, there is a strange phenomenon, more and more people refuse to have a credit card, and some of them even have to cut and cancel the cards they already have.

2. The emergence of credit cards, although for everyone to provide a first consumption after the convenience of repayment, for most people, only want to take advantage of the interest-free period of more than a month, rather than willing to pay more than a part of the cost of paying interest, and in the actual use of the process, because of a variety of reasons to pay a high interest rate abounds, and so many people on the credit card will be skeptical of the attitude, at least not welcome, and even some of the Directly refused. Specific reasons are probably the following:

1, more similar Internet products, alternative products are more convenient to use.

3. Earlier years, only credit cards provide this kind of service, nowadays Chanting, Chanting, particulate loans, Jingdong White Bar and so on provide similar services to credit cards, and this kind of Internet product processing is also convenient, online simply submit a little personal information can be processed, and we are more and more in the scene of online consumption, this kind of Internet product can also provide users with more affordable.

4. So, many young people turn to these kinds of lending products, and refuse to apply for credit cards.

2, no confidence in their own self-control

5. A significant portion of the resistance to credit cards for credit card first swipe and then repayment of such a way of consumption, because of the lack of confidence in their own self-control, worried about their own to become a card slave.

6. In fact, many people in the handling of credit cards, especially after a large amount of credit cards, there will be the urge to brush the card, then faced with the late, penalty interest, on the credit, the loss is more than worth it, the main thing is that young people are now for their own self-control is not particularly strong.

3, the more marketing the more resistance

7. Banks SMS bombing, do business is recommended, APP recommended, credit card advertising is ubiquitous, a lot of people instinctively resisted from these promotions, because the bank does not earn certainly will not be vigorously promoted, and the wool comes out of the sheep's body.

4, repayment

8. There are always two days when you use a credit card: the billing day and the repayment day.

9. As the name suggests, it is the total expenses of the last billing cycle and the day on which you have to pay back the money, if you forget to pay back the money or fail to pay back the money, it will affect your creditworthiness.

10. Of course, now repayment is much more convenient than before, Alipay WeChat have the function of repayment, but there will be a limit to the repayment of an additional layer of obstacles.

11. Every thing that exists has its benefits and its bad side, you use it well, it is good to use it badly that will take you into the infinite abyss.

12. credit card generally refers only to credit cards, so many people know it is a credit card, you spend people's money must be returned, and it is not like borrowing money from relatives and friends, you borrowed money from credit cards to pay on time, or you both have to pay the interest and loss of credit with the impact of the future loans and other things, in their own interests is certainly not good, that the opposite of borrowing money from friends and relatives, you can drag and drag on their own! There is no effect.

13. In fact, credit cards are only suitable for those who often travel, and then very rich people use, like us 8090 after I personally recommend not to use better, because our income is limited, and then a lot of people are still backed by the mortgage, car loan, in short, credit card water is very deep, please think twice!

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15.Warm reminder: please carefully check the information in the content, improve the sense of precaution, beware of telecommunication fraud, loan sharks and other traps to avoid being deceived.