1. Credit card is a product that is introduced to facilitate our consumption in advance, and we need to apply to the bank. The process is complicated, but the security is high. If you use a credit card, you will check the credit information. Although you don't leave a credit record every time you shop, the bank will check it from time to time. Once the credit card is overdue, you will definitely check it.
2. Online lending is to alleviate our cash flow difficulties. It is convenient to apply and pay quickly, but the safety factor is not high and there are certain risks.
However, credit cards should be used reasonably. The following are the disadvantages of credit cards.
There is no disadvantage in the invention of credit card, but some users can't use it, which leads to the disadvantage of credit card, just like a knife. "Good guys" use it to cut wood, and "bad guys" use it to kill people.
1, blind consumption
Unlike paying cash, swiping a card is not a sum of money. I don't feel anything when I swipe my card. A few figures lead to blind consumption and spending money like water. However, what to buy and what not to buy can be treated irrationally?
2. Excessive consumption
Notebook staging, digital camera staging, smart phone staging, while enjoying your favorite items in advance, you should also consider whether your salary is just a drop in the bucket when you repay next month.
3. High interest rates
If you can't take good care of your credit card and can't repay it on time when the final repayment date comes, the bank will charge a certain interest fee to avoid greater risks, and you can only blame yourself.
4. An annual fee is required.
Credit cards basically have an annual fee, but they basically have an annual fee-free policy. For example, CCB can be exempted as long as it is brushed three times a year; On the contrary, the savings card has received a small fund management fee since 2006, and it has to pay one or twenty yuan a year. If you apply for a credit card and can't swipe it three or five times a year or don't know it, then the bank will charge you an annual fee.
Step 5 steal brushes
Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses; But in fact, credit cards can also use passwords to apply for spending-it depends on how you manage credit cards.
6, affect personal credit records
Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. It will be difficult to buy a house and a car from a bank loan in the future-but if you don't want it, you won't be able to manage money yourself.
7, repayment trouble
Going to the bank every month is often overcrowded; In fact, there are only savings cards with online banking, and you can repay credit cards for free without leaving home through the Internet, such as "quick money" and "Tenpay".
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