The new version of RMB has been issued for more than a year, and many people still don’t know what it looks like. The main reason why this situation occurs may be caused by the rise of mobile payment. #财经学#

In the past, when people went out, they would more or less bring some cash with them. But now, with just a mobile phone and a card, we can go wherever we want.

Our consumption is becoming more and more convenient, but along with it we are spending more and more money. According to surveys and studies by relevant organizations, the rise of mobile payments has caused us to spend 16% more money than usual.

In addition, the rise of credit products such as credit cards, Huabei, Baitiao, etc. has caused many young people to develop the habit of "advanced consumption".

In the past, it was very difficult to apply for a credit card. Not only did you need proof of income, but you also had to submit various documents. But now, applying for a credit card is becoming easier and simpler. You no longer need to go to the bank to apply in person. You only need to fill in some personal information online to apply for a credit card.

It is precisely because of this that the number of credit cards in people's hands is increasing. Many people even regard these credit cards as their own "assets", spend a lot of money, and finally fall into the "consumption trap" , unable to repay debts.

Faced with this situation, bank insiders revealed: If you have these three types of credit cards, it is best to cancel them, the sooner the better!

1. Large-amount installment card

Although this type of card has a high limit, it can also be used for installment, which relieves a lot of the pressure on our daily consumption. However, it will also unconsciously make our consumption level higher and higher.

You may have worked hard for a month, but after paying off your credit card, you find that you have no money for food, and you have no choice but to continue using your credit card. If this cycle continues, we will fall into the "consumption trap" and eventually "make ends meet", which will have a considerable impact on our lives.

Therefore, if you have such a large-deposit installment card, you should cancel it as soon as possible to avoid getting stuck in it and unable to extricate yourself.

2. Credit cards that have not been used for a long time

Nowadays, it is getting easier and easier to apply for a credit card. Some people apply for credit cards in almost all major banks.

Due to the different circumstances of each bank, some banks may have very high credit card limits, while others may have very low credit card limits. Under such circumstances, many people will abandon this credit card after activating it because the limit is too low, and over time they will forget that this card exists.

However, many credit cards now charge an annual fee every year after activation, regardless of whether the card is used or not.

As a result, those who put the card aside or even forgot that the card existed may incur bills due to the withholding of annual fees, which will result in overdue payments if they are not repaid in time. , which will have a considerable impact on your credit score and future applications for home loans and car loans.

Therefore, if you have a credit card that has been activated that has not been used for a long time, you must cancel it as soon as possible.

3. Cards with small limits and difficulty in raising the limit

The original intention of many people to apply for a credit card is for daily consumption. And if the credit card limit is too low and it is difficult to increase the limit, it will not actually be of much help to our lives.

A credit card with a limit of 1 or 2,000 may run out of credit after just a few uses. Not only is such a card not of much help to us, but it also has some troublesome issues such as annual fees. It is better to cancel it as soon as possible.

In fact, whether it is a credit card or credit products such as Huabei and Jiebei that have appeared in recent years, we should use them rationally. Although the emergence of such products has relieved our financial pressure to a certain extent, if we are addicted to excessive consumption and cannot extricate ourselves, then we should stay away from such products as soon as possible.

Do you have the habit of using credit cards, Huabei and other products? Do you like to spend ahead of time?