I have been using credit cards for 13 years, and I have spent 50,000 yuan every month. I have accumulated a lot of points. The bank rewarded me with a mobile recharge card worth 2,600 yuan. Later, the bank’s risk control test said that I spent too much money, so it was downgraded to The monthly quota is 25,000 yuan, and you can spend 25,000 yuan every month. The points can be exchanged for points on ICBC Rongyigou. There are pressure cookers, woks, detergents, vinegar, and a lot of daily necessities. From 2011 to 2021, it is time to get a new card. The Shanghai Credit Card Headquarters will get a new card with the same number. Credit cards are very good. The more you use them, the more exciting your life becomes. Continue to boost domestic demand.

Personally, I think this is a stupid question. The wheel of the times is moving forward, and who among modern people does not have one or two credit cards? The various conveniences that credit cards bring to our lives cannot be denied. In real life, many people have serious credit card overdrafts due to unplanned excessive consumption. I don’t think these abnormal phenomena can all be blamed on credit cards. If some people overdraw their credit cards and ban credit cards now, wouldn’t this infringe on the rights of people who normally use credit cards...

In fact, everything has pros and cons. Banks do have the problem of over-issuance of credit cards. They should reduce and avoid the phenomenon of over-issuance of credit cards. I think banks should carefully review the repayment ability of card users when issuing credit cards. For those who do not have the ability to repay, they can appropriately restrict the applications of applicants...

I would like to say to the questioner that anything cannot be simply banned because of choking. In fact, the vast majority of people can still control their desire to shop. After all, there are still a small number of people who max out their credit cards. Regarding the actions of these people, we must not let the majority of law-abiding people pay for them...

"The above is purely a personal opinion. If you have any different opinions, please feel free to comment. "Leave a message in the area"

@叶城小碰 started using credit cards in 2013. So far, I have 10 credit cards, with a total limit of about 500,000. The questioner said that credit cards are completely prohibited. I feel It's a bit one-sided. After all, everything has two sides. The use of credit cards is also a double-edged sword. If you use it well, you can plan your funds reasonably, and the more you do, the better. If you use it poorly, you will suffer from the fear of being collected every day.

First of all, credit cards reduce everyone’s financing costs. Today’s society is an era of low income and high consumption. Whether you are working or doing business, there will be emergencies. At this time, credit cards It can still take some of the pressure off for you temporarily. Secondly, many food, drink and entertainment activities in business districts now cooperate with the credit cards of major banks, and sometimes the intensity is very strong. For example, in the Haikou area where I live, there are often 9 yuan to watch movies, and 100 off for a meal of 200 or more. Activities, in this case, using credit cards can save us part of the cost every year. After all, there are still a small number of young people who stay at home and do not go out for activities.

However, we still need to use credit cards rationally and overdraft consumption reasonably according to our income. We should not get into bad habits and end up making ends meet, eventually leading to the point of no return overdue. Someone who has experienced this advises you that credit card defaults will accrue interest. Still very scary.

Follow me @叶城小碰, and I’ll help you with more knowledge about credit cards.

Some people use banknotes to gamble, and some people use banknotes to pay bribes. So should there be a total ban on banknotes?

Chop knives can be used to cut vegetables, but some people still use them to chop people. Should kitchen knives be banned?

Puppies are considered pets by people, but some dogs are crazy and bite people, and there are even fatal cases. Is it forbidden to keep dogs?

Credit cards, also known as credit cards, are based on personal credit and have an interest-free period of about 50 days, which can provide a lot of convenience.

It is normal for a person to be unable to control his desires, live within his means, blindly overdraft, or even use credit cards to cash out for investment and financial management, fantasizing about getting nothing, and being trapped.

After the interest-free period, the daily interest on the arrears is 0.5%, which is equivalent to an annual interest rate of 18%, which is much higher than the benchmark mortgage interest rate of 4.9%.

Compared with online loans, cash loans, and small loan companies, the interest rates of credit cards are negligible. After all, it is very common for various types of loan sharks with annual interest rates of over 400% in various disguises, and all kinds of tricks are harmful to people.

Those who can apply for credit cards are all adults. It’s great to use credit cards to spend money, but when you pay back the money, you complain about being stuck as a card slave. This is the new era of "picking up the bowl to eat meat and putting down the chopsticks to curse." As for those who turn to crime in order to pay off their credit cards, they don’t want to learn well from the bottom of their hearts. What can they do if they like to eat free prison meals? Can’t they pay back the money by working part-time?

Now that you know the consequences of not being able to pay off your credit card, don’t overdraft, and don’t be smart enough to cash out. After all the money has been paid, just cancel the account and no longer apply for a credit card in the future. Why still fantasize about a total ban on credit cards?

Credit cards are an inevitable product of social financial development at a certain stage. Although credit cards currently make many people call themselves card slaves because of their high debts, it is better to guide them correctly than to ban them

Not long ago I just saw a set of official data. Currently, the number of domestic credit cards issued is close to 800 million, and credit card debt has reached more than 70 billion. Most of the people who use credit cards are those born in the 1980s. If you look at the average statistics alone, the debt of credit cards is not very high based on the number of cards issued.

But many of us have experienced it, and there is such a group of people around us. Because the credit card money is not used and planned appropriately. I have been trapped by credit cards and become a so-called "card slave". Of course, this group of people are also the ones who "hate" credit cards the most.

But according to what the questioner said, a complete ban on the use of credit cards is definitely unrealistic. There are several reasons: First, credit cards are now an important way for many banks to make profits, and many banks are still vigorously issuing credit cards. Secondly, as a product of social financial development, credit card represents a consumption concept and trend. Finally, and more seriously, if the use of credit cards is completely banned, banks will definitely withdraw all card credit in advance. So for many cardholders, if they don’t have the funds to pay off their debts immediately, the rate of bad debts and bad debts will definitely increase, which banks are definitely not willing to see.

Therefore, I personally think that instead of completely banning the use of credit cards, it is better to provide correct guidance to cardholders on the use of credit cards. Banks are also raising the threshold for issuing cards and strictly controlling personal credit. For cardholders, when using credit cards, they must act within their means and do not spend more than they can afford to repay.

Of course, for those who have become credit card slaves, they must maintain a correct mentality. As the saying goes, one learns from each experience. After finding a way to pay off the credit card debt, you must not make the same mistake again. .

My name is Li Shuaishuai. Thank you for reading. If you have questions about credit cards, credit, or personal credit information. You can send me a private message to get more exciting content!

Everything has two sides, just like a dog has a cruel and biting side, but also a considerate side. Can we say it’s forbidden to keep dogs?

Some people use the money for gambling, which leads to the separation of their wives and children, and the destruction of their families. Others use it for building water conservancy, paving roads and building bridges. Can we ban currency because of those who do bad things.

We still need to solve the problem fundamentally and look at the essence of the problem. It is not the problem with the credit card itself, but the problem with the people who use the credit card.

There are also many people who have received a lot of benefits from credit cards.

For many people who have used credit cards, what should they do if they still owe a lot of money? Who is responsible for the loss? The bank has not fulfilled its obligation to audit. This Who will bear the responsibility? How much loss has this caused to the country and the people? Now the banks are just promoting their products. You can apply for multiple credit cards with just one ID card. The bank has no obligation to review and who will bear the responsibility. Especially for online banking, it is unclear who has the responsibility. It means that it has no obligation to review. Just take an ID card and The phone number and home address can be passed, but the bank must supervise it. No matter who it is, anyone who does not follow the rules and regulations will be fired.

I am happy to answer your question

Why are credit cards banned? I have been using credit cards for more than ten years and find them very convenient. They have never been overdue and the bank has raised the limit from time to time. Especially when I use the credit card to make purchases, it feels like it is not my own money. I have money on my bank card and I often use the credit card. First, I often use the credit card. When dealing with banks, you know that you are a trustworthy person. Secondly, when you are really in financial difficulty, it is still okay to use a credit card for emergencies. Giving a little interest to the bank can make everyone profitable, so why not do it? In this day and age, if you want to borrow tens of thousands from your friends, you may not be able to find a few, and if you borrow a favor that you owe others a lot, your credit card will help you at the critical moment! The credit card feels great!

No, but when issuing a credit card, a comprehensive census of his debts, income, monthly consumption, etc. should be carried out to determine the credit limit. The issuing bank cannot issue credit cards at will for the sake of the task, so that people can afford it. The key is to be able to pay off your debt without causing any problems!

There are many examples around me. A colleague has 8 credit cards, each with a limit of more than 30,000 yuan. He uses almost the same amount on each card, but his monthly salary is only 6,000 yuan. When I first applied for the card, the bank applied for it through a company and was given a credit limit of 26,000. Taking the first one as the standard, the subsequent ones are basically about the same amount. I said: I want to use it after I use it. If you pay off 8 cards in turn, the monthly interest will be thousands of yuan. When the epidemic broke out in 2020, his debts exploded, and the bank lowered his limit across the board. For example, he just paid off a card worth 16,000 yuan. According to information sent by the bank, the available limit is only 800 yuan. Colleagues are so desperate that they have no tears left. I thought about swiping it out to return other cards, but was defeated by the card. All other cards are overdue. Of the 16,000, 10,000 were borrowed from others and could not be repaid to others. Why bother? It is not so good to spend future money in advance. It is natural to pay back debts.

Credit cards need to be issued, and sometimes you can use them if you need money urgently, but the bank must establish a feasible system. You can afford to pay back what you have consumed instead of letting people spend future money in advance.

No, if you ban credit cards, for experienced players like us, how much GDP will be lost.

The prosperity of the country is the result of the hard work of many senior card lovers.

As for cardholders who have been harmed by their credit cards, just be careful.