1. In the past, having a credit card seemed to be something worth showing off happily. Many people tried their best to apply for a credit card. But now, there is a strange phenomenon. More and more people Many people refuse to apply for credit cards, and some even cut off or cancel the cards they originally held.

2. Although the emergence of credit cards provides everyone with the convenience of spending first and repaying later, for most people, they just want to take advantage of the interest-free period of more than one month, rather than being willing to pay more. Part of the fee is paid interest, and in actual use, it is common to pay high interest for various reasons. Therefore, many people are skeptical of credit cards, at least not welcoming them, and some even reject them outright. The specific reasons are probably as follows:

1. There are many similar Internet products, and substitute products are more convenient to use.

3. In the early years, only credit cards provided such services. Nowadays, Huabei, Jiebei, Weilidai, Jingdong Baitiao, etc. all provide services similar to credit cards, and such Internet products are also convenient to handle. You can simply submit some personal information online, and there are more and more scenes of people consuming online. This type of Internet products can also provide users with more benefits.

4. Therefore, many young people turn to this type of loan products and refuse to apply for credit cards.

2. Have no confidence in their own self-control

5. A considerable number of people resist the consumption method of swiping the credit card first and then paying it back because they have no confidence in their own self-control. , worried about becoming a card slave.

6. In fact, after applying for a credit card, especially a large-value credit card, many people have the urge to max out the card, and then they will face overdue interest, penalty interest, and credit citation, which is not worth the gain. , the most important thing is that young people nowadays are not particularly strong in self-control.

3. The more they are promoted, the more resistant they become.

7. Bank text message bombardment, business recommendations, in-app recommendations, and credit card advertisements are ubiquitous, and many people’s instinctive resistance comes from these. Promotion, because banks will definitely not promote it vigorously if they don’t make money, and the wool comes from the sheep.

4. Repayment

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

9. As the name implies, it refers to the total expenditure of the last billing cycle and the date on which repayment is required. If you forget to repay or fail to repay, it will affect your personal credit.

10. Of course, repayment is now much more convenient than before. Alipay and WeChat have repayment functions, but there is a limit, which adds another layer of obstacles to repayment.

11. Everything in existence has its advantages and disadvantages. If you use it well, it will be good, but if you use it badly, it will lead you into the infinite abyss.

12. Credit card generally refers to just a credit card, so many people know that it is a credit card. You must pay back the money you spend, and it is not like borrowing money from relatives and friends. You must repay the credit card money on time, otherwise you will have to pay interest and lose your credit. It will have an impact on future loans and other loans, which is definitely not good for your own interests. On the contrary, if you borrow money from relatives and friends, you will be delayed and it will be harmful to you. It has no impact on itself.

13. In fact, credit cards are only suitable for people who travel frequently and are very wealthy. For those of us born in the 1980s and 1990s, I personally recommend not to use them because our income is limited, and many people You also have a mortgage loan, a car loan, and in short, your credit card is in deep trouble. Please think twice!

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15. Warm reminder: Please carefully check the information in the content, raise awareness of prevention, and beware of telecommunications fraud , usury and other traps to avoid being deceived.