Why do you say never get a credit card?

Some people say that you should never apply for a credit card because there are the following risks:

1. Overdue risk: after using a credit card, you need to repay it on time, but there are many people who accidentally forget the repayment date. Once the credit card is overdue, you will face adverse consequences such as collection, penalty interest and credit reporting.

2. Overoverdraft risk: Credit cards can overdraw consumption, which may cause some people who have no self-control ability to overspend. Once cardholders overspend, they are likely to be unable to repay.

why not recommend a credit card?

1. Increase personal consumption

In the past, going out for shopping and eating were all paid by paper money, which would make you feel the hardship of making money. When you use a credit card, you only need to swipe your card to get what you want, and you don't need to repay it in the current month. This will also make many consumers blindly buy what they like, only to find that the consumption limit has exceeded their repayment ability when the bill is audited, which increases unnecessary personal liabilities.

2. Credit card cashing

In order to get cash, some people will get it through credit card cashing, which is also prohibited by our country's order and is illegal. For users who are in urgent need of cash, personal credit may be affected by cashing.

3. Credit card overdue

There are many reasons for overdue, which may be due to insufficient repayment ability or forgetting the repayment date. If the credit card is overdue, it will affect personal credit, and the possibility of handling housing loans and auto loans in the bank later will be very low.

4. Stolen credit card

The probability of stolen credit card is very small, but it can't be ruled out. Now many users have opened small payment with credit card. If the credit card is lost, others only need to swipe the card and pay without password.

5. Excessive overdraft risk

Credit cards can overdraw consumption, which makes some people who have no self-control ability likely to overspend. Once cardholders overspend, they are likely to be unable to repay.

Why do you say never to apply for a credit card? Is it good to apply for a credit card?

Why do you say never to apply for a credit card?

Credit card is a common overdraft tool in our life. Although the appearance of credit card provides us with more convenience, some users think that credit card is something that is more cheat people, and warn everyone never to apply for a credit card. So is it good to apply for a credit card?

Some people on the Internet say that you should never apply for a credit card mainly because of the following disadvantages:

1. Credit cards have overdue risks.

users of credit cards know the seriousness of overdue, but there are still many card friends who will be overdue for various reasons. Once the credit card is overdue, the cardholder will be charged by the bank, and his personal credit will be affected, and those who are overdue seriously may face jail.

2. There is a risk of credit card theft.

There are often some news about credit card swiping on the Internet. Once a credit card is processed, the cardholder will face the risk of swiping it. Although this risk is relatively small, if the cardholder fails to take care of his credit card information, it may be stolen by criminals.

3. There is excessive overdraft risk in credit cards.

Some credit card users have poor self-control, and those who only enjoy swiping their cards neglect their repayment ability, which eventually leads to their inability to repay due to excessive consumption.

Although credit cards have the above risks, they also have many benefits. The common benefits are as follows:

1. Overdraft consumption and provide interest-free period.

The specific overdraft function of the credit card means that the cardholder can use the credit card to purchase his favorite goods in advance and enjoy the interest-free period only if he repays on time. This consumption mode relieves the financial pressure of the cardholder to a certain extent.

2. Credit cards have more preferential policies.

different credit cards have different special rights and interests, such as Ping An Owner's Card can enjoy discounts when refueling, and Bank of Communications Wal-Mart Credit Card can enjoy discounts when spending money at Wal-Mart.

3. Credit card points can be exchanged for gifts.

the cardholder will get corresponding points after spending with the credit card, and the cardholder can exchange the points for gifts.

Generally speaking, a good credit card can bring many benefits to everyone, but if it is used improperly, it will also bring many adverse effects. Therefore, whether a credit card should be used or not depends mainly on how people use it.

Why do you say never to apply for a credit card? Who is not suitable for it?

Why do you say never to apply for a credit card? Who is not suitable for it?

Nowadays, people's consumption patterns have changed greatly. More and more young people like to spend in advance, and credit cards are the main tools for people to spend in advance.

The overdraft function of credit cards provides more convenience for people, but some people say never to apply for credit cards. What is the reason?

Some netizens said not to apply for a credit card, mainly because credit cards also have certain risks, and the most common risk is overdue risk. Credit cards are a credit tool provided by banks to cardholders and can be used for overdraft consumption. Users need to repay their debts in strict accordance with the requirements after using credit cards.

if the cardholder fails to repay the loan on time, it will not only generate interest charges, but also be penalized by the bank, and personal credit will be affected.

in addition, if the cardholder's consumption control ability is poor, it is easy to form bad consumption habits due to credit cards, thus becoming a card slave.

Generally speaking, never apply for a credit card. It's not that the credit card is bad, but the problem lies with the people who use it. Therefore, not everyone is suitable for applying for a credit card. The following three types of people don't use it very much:

1. People with poor self-control ability.

if the cardholder only swipes the card, regardless of his repayment ability, it is risky for such people to apply for a credit card. if the cardholder swipes the card blindly, it is easy to overdraw, resulting in inability to repay.

2. People who are too lazy do not handle credit cards very much.

friends who use credit cards know that we need to keep in mind the billing date and repayment date of credit cards. If you are too lazy to look at the bills and repay them, you'd better not apply for a credit card, otherwise it will easily be overdue because you accidentally miss the repayment date, causing unnecessary trouble to yourself.

3. People who are not interested in the interest-free period of credit cards.

The biggest feature of a credit card is that it can enjoy an interest-free period, and the cardholder can also enjoy various preferential rights when spending. If the cardholder simply uses the credit card as a savings card, it is better to apply for a savings card directly.

why do you say never to apply for a credit card?

The reason why you should never apply for a credit card (debit card) is that there are the following risks in applying for a credit card (debit card):

1. Credit card (debit card) repays on time every period, which is conducive to maintaining personal credit. However, if the repayment is overdue, the overdue records will be uploaded to the People's Bank of China's credit information system, which will cause personal credit stains in the long run, which is not conducive to applying for mortgage loans, car loans and other businesses in the future.

2. The essence of credit card (debit card) is overdraft consumption, and some users have poor self-control ability, so it is easy to overspend when applying for credit card (debit card). In this way, it not only caused its own debt crisis, but also faced penalties such as collection and penalty interest.

Why do you say never to apply for a credit card? What are the disadvantages?

Why do you say never to apply for a credit card? What are the disadvantages?

Now almost everyone has one or several credit cards, and many young people habitually use credit cards to overdraw their consumption when shopping.

Because credit card consumption can not only enjoy the interest-free period, but also enjoy various points and discounts, but some netizens on the Internet say never to apply for a credit card. What is the reason? What are the disadvantages of applying for a credit card?

the essence of credit card is a credit product, and the cardholder can use the credit card limit to overdraw the consumption, so that everyone can buy their favorite goods in advance.

and as long as the cardholder can repay the money within the specified time, he can enjoy the interest-free period, which is equivalent to that the credit card user first takes the money from the bank to buy things, and then returns the money to the bank after a period of time. This consumption method provides people with more convenience.

But everything is two-sided. If the credit card is used improperly, it will also bring many bad consequences to yourself. Some people say that you should never apply for a credit card because it may have the following disadvantages:

1. Cardholders develop bad consumption habits.

Some cardholders were fine when they started to credit their credit cards, but because the credit cards cost a limit, the cardholders didn't feel that they were paying back the money when they spent it.

As a result, users spend more and more money and swipe their cards more and more. It was not until the repayment date that they realized that they had overspent.

If credit card users stay in this consumption pattern for a long time, it will cause themselves greater repayment pressure and may become card slaves.

2. Credit card users usually do not pay attention to the safety of using their cards, resulting in economic losses.

There are often news about the stolen credit card on the Internet. If the cardholder does not take good care of his credit card, security code and password, the card may be stolen and swiped, which will cause economic losses to the cardholder.

3. Personal credit is affected due to overdue credit cards.

after using the credit card, the user should repay the arrears within the stipulated repayment period. If the overdue behavior happens carelessly, the bank will upload the overdue record of the user to the central bank's credit information system, which will leave a stain on the cardholder's personal credit. If the personal credit information is poor, then buying a house or a car in the later period may be affected.

why not suggest the introduction of credit cards and stop here?