Nowadays, many post-90s people like to use credit cards or flower beds. These platforms borrow money to satisfy themselves. To some extent, their desire to buy is because they have accepted the mode of leading consumption, through which their expected small goals or wishes can be realized. But as everyone knows, this model may make them fall into one after another. Trap? Going to China is not worth the loss.

Why do you like to use credit cards or flower beds after 1.90? Is it caused by consumption in advance? Disaster? With the continuous development of today's society, people have higher material requirements and can enjoy material life more intently. Coupled with the comparison and psychological troubles, many young people like to live in high-end houses and buy brand-name bags, which are beyond their own wages. At this time, unscrupulous merchants induce young people to use credit cards or flower beds through over-marketing. Is it convenient? The means of consumption first, the money spent, and the things obtained, but when it comes to repayment, it becomes a very painful day for young people.

Second, ahead of consumption makes people dilute the concept of money, debt crisis? Attack? I don't know when, many young people have become accustomed to using credit cards or flower beds to buy their favorite things in advance in order to obtain psychological super satisfaction. However, it is this dominant consumption model that makes people gradually dilute the concept of money. Many young people with low wages borrow money through various online platforms to meet their urgent needs, which also leads to the rising debt ratio of young people in China. The loan problem of low-income people has become a pain point in society. Heavily in debt? Every month, 50% of young people are also harassed by dunning messages from these platforms.

Third, the transfer of credit consumption and the gradual development of consumer finance. On the whole, credit cards developed earlier and the market structure was very mature. At present, they are also a more convenient payment method. However, with the development of the Internet, credit consumption began to shift. In particular, financial credit consumption has occupied many post-90s consumption patterns. The post-90s generation is more dependent on online consumer credit, because it is more convenient for them to apply, without many restrictive conditions, and the business rules used are relatively simple, which also makes many young people develop the habit of using financial consumption platforms to borrow money.

In essence, credit card and flower garden platform are both subsidiary products of consumer credit, and there is no difference in essence, but the carriers are different. For the post-90s generation, the concept of advanced consumption has been formed, and they are more accustomed to using this mode of advanced consumption to satisfy their desire to advance. However, we need to be alert to the problem of credit risk, and don't lose big because of small.