Take credit cards alone. According to the data of the central bank, by the end of the third quarter of 2020, the number of credit cards in use in China has reached 766 million, which is equivalent to one in every two people using credit cards. At the same time, the average credit limit of China Card reached 24,300 yuan.
In fact, if you use credit cards normally and have repayment ability, it doesn't hurt to apply for more credit cards. But now many young people have set up a lot of cards, just to satisfy their desire to "spend in advance", and finally they are burdened with huge debts and unable to repay them. Therefore, the harm of early consumption is very great.
Now many people are aware of this, so many people plan to cancel their credit cards to fundamentally curb early consumption. But according to a bank manager, credit cards can't be cancelled casually. Cancelling a credit card has these three disadvantages.
Bank Manager: Three Disadvantages of Cancelling Credit Cards
First of all, if it is not used for "advanced consumption", the role of credit cards is still very positive. For example, when users are in urgent need of funds, they can choose to swipe their credit cards or withdraw cash by credit cards. In this way, they can solve the "urgent needs" of users. So it's best to leave your own credit card in case of emergency.
Secondly, if you cancel your credit card directly without thinking clearly, it will not be so simple to reapply. In terms of audit, the bank audit will be more "strict" for users who have cancelled their credit cards; There are even some banks that stipulate that it is not allowed to apply again within 6 months after the credit card is cancelled. Therefore, after canceling the credit card, it is very likely that it cannot be processed again.
Finally, for users with overdue records, the cancellation of the card does not mean that the previous overdue records "disappear". On the contrary, we need this credit card to "raise the card". Through reasonable consumption and timely repayment, there will be a good record of timely repayment in personal credit information.
If it is solved by canceling the card once it is overdue, it is likely to affect the credit information, and even affect the future mortgage and car loan, which has a great impact on everyone's life.
Therefore, it is better not to cancel the credit card. However, many people think that if you continue to use credit cards, you are likely to remain in debt. What should you do? At this time, everyone should know how to use credit cards correctly. Pay attention to these four points, and "liabilities" may all be "reduced".
How to "Use Credit Card Correctly"
First, in the process of using credit cards, functions such as cash withdrawal and installment should be used as little as possible, and it is best not to use them unless it is special or urgent. Because for users, the handling fee for credit card withdrawal and installment is very high.
Although staging can alleviate the temporary debt pressure, in fact, we have to pay back more money than before, and the same is true for cash withdrawal, so not using these two functions is actually equivalent to "reducing" our debts.
Second, never cash out. According to the relevant regulations of our country, cashing itself is illegal. Once the user is found to withdraw cash, the lighter "punishment" is to reduce the amount and freeze the card; In severe cases, it is likely to be recorded in personal credit records. Even if there is no debt, there will be one more bad record.
Moreover, cashing is not "free". No matter what method, there will be a "service fee" for personal POS machines or merchants to cash out, which means that it will cost more to cash out. In short, users should never do such expensive and illegal behavior.
Third, if you are worried that you can't "control" yourself, you can choose to actively reduce the quota. Generally, you can handle this business in mobile banking or bank outlets. For example, if a card is a high-value credit card with several times your salary, then the user can "lower" it to almost the same salary.
This can fundamentally solve the problem that we can't control our consumption, but it's best not to reduce this amount too much, because in case we need money, we can also use a credit card.
Fourth, develop the habit of keeping accounts. Many people have the idea of spending in advance because money has become a string of numbers, so spending money will be unrestrained. If you start bookkeeping, then consumption will be more intuitive, and users can be controlled to reduce the number of times they use credit cards.
To sum up, credit cards are also beneficial. Users had better not cancel it casually, and everyone should solve it according to their own situation. For example, users with too many cards can choose to cancel those cards that are not commonly used; Some users can't change their consumption patterns, and selling cards is also a good way to control consumption.
I wonder if you have applied for a credit card? How many copies have you made? Welcome to leave a message for discussion.