This sentence is obviously the opposite. People who are really rich use credit cards, and people who have no money don't necessarily use credit cards.
1. Real rich people must apply for credit cards: anyone who has used credit cards knows that credit cards have grades, such as gold cards, platinum cards and diamond cards. Different grades of credit card application requirements are completely different, and high-end credit cards have absolute requirements for assets.
So most rich people must have some high-end credit cards from banks. Ordinary people are not qualified to apply for this kind of card at all. Being able to do the basics shows that this person is a properly rich man.
American Express Centurion Black Gold Card is the legendary top credit card in the world. This card never accepts applications from the public, but directly adopts the invitation system, and the corresponding access system and benefits are unknown. If you can take out this card, it shows that you are a symbol of wealth, status and identity, and the best choice for global elites and successful people. Most black gold cards are well-known CEO, president or chairman, etc.
Here is a practical example of China. A few years ago, Wang Sicong claimed that he had lost his wallet in the Weibo, which contained all kinds of black cards. These black cards are top credit cards in all banks, and the annual fee charged is not a small number. For example, the annual fee for black cards of ICBC and China Merchants Bank is roughly 1.8 million yuan.
So really rich people will definitely apply for this world-class high-end credit card.
2. Why do rich people apply for high-end credit cards? As mentioned earlier, high-end credit cards are a symbol of wealth status. You can tell who you are by looking at the cards.
But handling high-end credit cards is not only because of these, but also because of the convenience and enjoyment of life.
Ordinary credit cards issued by banks generally have corresponding rights and interests. For example, the platinum card of domestic banks can enjoy some travel convenience, and the airport railway can enter the VIP lounge, VIP channel, medical experience and other services.
But the high-end credit cards of the rich will provide better rights protection services, even any service you want. Take the domestic China Merchants Bank Express Centurion Black Gold Card as an example, users can enjoy services covering almost all fields such as travel, entertainment, activities and transaction processing. Legend has it that a cardholder's daughter is in hospital and can't watch the concert. Under the management of the bank, the lead singer went to visit directly before the performance.
This is the energy of high-end credit cards. You can do more things in Europe, America and the West. After all, everything in capitalist countries serves capital. This is why rich people will definitely apply for high-end credit cards.
Lscssh technology officer's point of view: not much to say, these people understand themselves, and it's useless if you don't understand. If you think your income is ok and your quality of life is not low, you might as well apply for some platinum cards or diamond cards from the bank. The rights and interests returned to you by the bank are still very valuable. Even ordinary people, as long as the credit is ok, it is recommended to apply for a 1-2 credit card and choose one that meets their own needs.
Rich people like to use credit cards, not to say that they don't. Maybe many people think that rich people need credit cards because they have "mines at home" and "hundreds of millions of cards"? On the contrary, the rich like to use credit cards best. Why?
First, there seems to be little difference between credit card consumption and cash consumption, and credit card repayment is more troublesome. Rich people shouldn't like trouble. However, the reality is very different. What is the difference? The difference lies in the time difference between credit card payment and cash payment.
Cash payment, the current funds in the bank card can be paid in cash, and the funds for regular and bank financing cannot be paid. But what about credit cards? Credit card is the right that the bank gives depositors to pay in cash by swiping the card. You can use it directly when you consume it, and the longest billing period is 56 days. Because the time spent is different, there is generally an average billing period of one month.
The annualized interest rate of cash bank savings is 0.35%, 6,543.8+0,000 yuan, and the annual interest rate is 3,500 yuan. But what if I pay by credit card? It is entirely possible to subscribe for 30 days of financial management a month and repay it when it is due. The annualized interest rate of bank's 30-day term wealth management generally exceeds 3.5%, which means that the total amount of wealth management in one year reaches 654.38+00,000, with interest of 35,000, which is 654.38+00 times of the interest income of cash current savings.
So, in this case, the spread is obvious. As a rich man, I certainly won't miss this opportunity.
Second, rich people also use credit cards. As the richest man, Comrade Ma Yun wanted to go to a bar when he was on a business trip in Chongqing, but in the end, he paid by credit card instead of Alipay. As the richest man, he will also use a credit card.
Therefore, it's not that rich people don't use credit cards, but they like to use them very much.
Who says really rich people don't use credit cards?
Let's take a look at the real experience of Jack Ma, the richest man in China, replacing Alipay with a credit card.
At the beginning of this year, Ma Yun went to Chongqing to attend an activity. When he is bored at night, he goes to a bar in Chongqing to relax. When checking out, everyone was surprised to find that Ma Yun did not use Alipay recommended by the store, but used a very practical credit card to spend.
Therefore, rich people who don't use credit cards are directly beaten by Ma Yun!
In fact, there are many rich people who use credit cards. What they value is the rights and functions of credit cards, not the amount of credit cards.
In the eyes of ordinary people, everyone attaches great importance to the credit card limit. The larger the quota, the more space they can use. But in the eyes of those rich people, the credit card limit is just a number. What they value is not the credit card limit, but the rights and status symbol inside.
The bank's credit cards for the rich are not like ordinary people's gold cards or small platinum cards. Those who are worth millions, tens of millions or even tens of billions all take diamond platinum cards or centurion black gold cards. The rights and interests of these credit cards far exceed our imagination.
Take the diamond platinum card as an example. Some of its rights and interests probably include the following:
Centurion's black gold card rights are even worse, and it is a real status symbol.
Centurion Black Gold Card is known as the king of credit cards, but it can provide cardholders with world-class private services. It claims that there are only things you can't think of and nothing it can't do.
Once, a centurion with a black gold card was driving in the hinterland of the Sahara desert. Unfortunately, the gasoline ran out and the car rental company refused to help. Finally, through the Moroccan army, a helicopter was dispatched nearby to rescue him from the desert. It sounds like a fantasy, but it is really possible for a centurion with a black gold card.
Centurion's black gold card is a good explanation: real wealth is a way of life or way of thinking, not the number in the bank account. As long as you take out the black gold card, you will convey the signal that "you are not an ordinary person".
Therefore, even rich people from all walks of life want to have such a credit card. Even the rich second generation like the headmaster will send a Weibo to find their whereabouts if they lose the centurion's black gold card.
So after popularizing this knowledge for you today, don't tell jokes about real rich people who don't use credit cards in the future.
What do you mean by people who never use credit cards?
People who never use credit cards explain that they never spend more than they want.
1. Credit cards, also called debit cards, are credit certificates 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.
2. The credit card stipulated in the relevant laws of China (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards in the Criminal Law of People's Republic of China (PRC)) refers to the electronic payment card issued by commercial banks or other financial institutions. It has all or part of the functions of consumption payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the standard of English translation and writing in the field of public service was formally implemented, and it was stipulated that the name of credit card with English as the credit card standard was credit card.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the day of collection.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the cardholder has a certain credit limit and can repay before spending within the credit limit; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of petty cash according to the regulations, and when the balance of the petty cash account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally only refer to credit cards.
First, the characteristics of credit cards
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and social demand.
What is the psychology of those who never use credit cards?
Psychology of people who never use credit cards: I don't want to risk overdue and credit investigation because of excessive consumption.
Credit cards can easily give people the illusion that they are rich, so they do not advocate this kind of "advanced consumption". When a person "consumes in advance" to a certain extent in his mind, then his self-control is beyond doubt, and he is deeply aware of the many adverse consequences that "consuming in advance" may bring.
So some people will not consider using credit cards.
Extended data:
superiority
Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.
You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).
So much for the introduction of people who don't use credit cards.