First, the characteristics of this type of "card slave" are: unrestrained consumption, uncontrollable, and unstable work. It's ok when there is income, but once there is no income, the arrears will naturally arise. This kind of people are generally young people who follow the fashion, especially girls, who buy mobile phones and computers. If they are suddenly fired or get sick, they will be unable to repay. Second, most people of this type want to start a business and have no funds, so they can only raise money by running a card, but their business fails and they are unable to repay. Most of them are post-8 s college students, poor and white, without backers, and can't stand a little change.

Third, the unexpected people have used their credit cards well before and their credit records are better. But suddenly something happened at home, such as illness, car accident, etc., and there was no way but to use money urgently. How could there be extra money to pay off the credit card debt?

Fourth, speculation is lazy. It is purely to cheat the money of the bank country by using the card, and the amount is not large enough to go online, and the bank can't do anything about it. This kind of person is the most abominable, and banks avoid it. If it is not guaranteed, it will become a bad debt. Usually their attitude is also the worst.

Fifth, people who cheat and cheat unscrupulous people usually have some problem accounts, including stolen accounts, stolen accounts, and so on. The bank basically can't get them back, and it can only blame itself for being "as blind as a bat" at that time and can't see through the true face of such people. Generally speaking, the credit card population is mainly young people, especially after 8s, the lack of self-restraint, the expansion of vanity, and the lack of integrity lead to an annual growth trend of credit card arrears.