1. First, cultivate loyal bank customers. Credit cards are sticky. Once a person is used to using a bank's credit card, he won't take the initiative to change banks unless there are special reasons. The second is to make money by college students.
2. College students' living expenses mainly come from home, and there are usually fixed time intervals for sending money to college students at home. What if they want to spend more money during this time? Bank credit card can just solve this problem.
3. So credit cards are popular among college students for a reason. Finally, the credit card records the use of college students' cardholders, which is convenient for banks to understand the financial situation of cardholders. After college students work in the future, banks can continue to sell other banking products.
For college students, although the amount of student credit cards issued by banks is relatively small, normal use is enough. It is a trend to borrow money for consumption now. Without credit cards, it is almost impossible to meet the needs of college students. Therefore, it will be an irreversible trend for college students to use credit cards more and more.
Credit card, also known as credit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. The form is a card with name, expiration date, number and cardholder's name printed on the front and magnetic stripe and signature strip printed on the back. Consumers with credit cards can shop or spend in specialized commercial service departments, and then banks will settle accounts with merchants and cardholders. Cardholders can overdraw within a certain amount.
The earliest credit card appeared at the end of19th century. /kloc-During the 1980s, the British clothing industry developed the so-called credit card, and the tourism and business departments followed this trend. But at that time, the card could only be used for short-term commercial credit and must be repaid at any time. Can't default for a long time, and there is no credit line.
China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, driven by economies of scale and consumption growth, the average annual growth rate of credit card issuance in China will remain around 65,438+04% in the next 65,438+00 years, and its profitability will remain stable. It also tends to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.
Credit cards have led most people to develop the habit of spending in advance. I hope it will help you to limit the use of credit cards.