According to incomplete data, the total number of bank cards in China is 79 million, with 0.56 per capita, which shows the purchasing power of our people. Why do employees recommend you to get a credit card from time to time when everyone has a credit card? There must be something fishy in this.
Why to provide credit card services to customers through telephone, SMS or even other mobile applications is closely related to the huge benefits it brings.
At present, China's credit card business mainly includes six parts: First, enterprises must provide customers with fixed handling fees. If the customer pays by credit card, a certain fee will be drawn from the amount paid. Second, you pay in advance. If you prepay and fail to pay back the money within the specified time limit, your bank will set you a different interest rate and charge you different fees according to your requirements. Third, cash withdrawal is not to make money, but to provide customers with cash. If you withdraw money successfully, your bank will pay you a certain proportion. The fourth is interest. The overdraft rate of each bank is 5%, and the annual interest rate is 18.25%. In other words, if you use 1000 yuan, you have to pay 182.5 yuan more. The fifth is the annual handling fee. Now many bank cards in China have stopped using this business. Although the profit is not high, it only accounts for a small sum of money in the bank. Sixth, late fees must be fined.
These six methods are the six sources of bank credit card business, and the reason why bank staff desperately recommend them to customers is that they take a fancy to the rich benefits contained in them. This is a very expensive business, very expensive business. For example, Meituan and Jiangsu jointly launched new credit cards, with a total of 2.5 million credit cards, of which/kloc-0.0 million was new and was given to potential customers of these banks.
After using the bank card, paying back the money in advance does not mean that you can not pay back the money, nor does it mean that you can be responsible for your actions. Therefore, we should combine our own situation and the current economic situation, use our credit cards reasonably and try not to use them. When you are trapped here, you will never get rid of it. You can think of credit card as a means of payment, not a means of survival. Many times, we rely on our own income and ability. When large companies apply for large credit cards, they should also ask themselves whether they need to apply for a credit card and whether they can pay the maximum amount at one time. Even if you can't, I suggest you be satisfied with your life. Using a credit card can only lead you to spend too much money and eventually lead to a money trap.