We will all choose to open a credit card that suits us based on our financial ability. Most students will never open a credit card during school. On the one hand: college students do not have fixed jobs and cannot repay credit card debts in time. On the other hand: it is difficult for college students to repay their loans within a fixed period of time, which will inevitably affect their creditworthiness. When a Sichuan student was doing business, a bank secretly opened a credit card and incurred a large amount of consumption. I think this behavior of bank employees can be punished, and the bank can decide how hard to punish employees based on the size of the mistake. Banks can recover bonuses from bank employees, and banks can also recover incentives such as vacations from bank employees.

Banks are service institutions, but they must work with caution

We often see that banks are criticized and criticized by most netizens because of the lack of positive attitude of their employees. In fact, Employees must undergo a series of precise training and guidance. Company employees must meet the bank's requirements for the company. As long as bank employees' behavior does not comply with bank regulations, the bank must adjust its internal punitive measures to avoid the recurrence of a series of irresponsible phenomena. At the same time, bank wages are relatively high, but bank employees must also work carefully based on their true abilities and never damage the bank's image due to their own negligence.

Everyone must do things and apply for cards according to their own abilities

Although most people will choose to open credit cards from multiple banks in order to improve their quality of life, even if they There is no way to repay the bill within the stipulated time, and you can replenish it back and forth through several bank cards without causing problems with your credit. In fact, everyone has to choose the items to buy and the credit card according to their own income level. When your work ability is not enough to support you to open a credit card, do not open a bank card because of your own mistakes. This will make you lose money. Your credibility is greatly affected.

Credit cards are linked to creditworthiness

Don’t think that credit cards will not affect your creditworthiness. The ultimate beneficiary of every bank card is you, and you have to use your own credit to bear the consequences of being unable to repay the credit card. As we all know, when everyone applies for a credit card, we will set a repayment date within the scope of our ability. When you are unable to repay the amount you owe for a long time, credit card problems will affect your creditworthiness.

In general, I think this kind of behavior should be punished with bonuses, and the bank should also adjust the employee's benefits based on the severity of the situation.