Why is the number of credit cards per capita increasing?

The increasing number of credit cards per capita is the fundamental reason for China's rapid economic development and increasing economic volume. People's repayment ability is also increasing with the increase of income, and the number of people who can apply for bank credit cards is also rising, and individuals can apply for credit cards in different banks as long as they meet the conditions.

The average person in China holds 6.4 bank cards. Do you know the difference between credit cards and savings cards?

I think it's mainly focused on the function, because credit cards can be overdrawn, but savings cards can't be overdrawn.

For adults, handling bank cards is basically something that everyone will do. Some people will have multiple bank cards, while others will handle credit cards. However, in any case, almost every adult will use bank cards when participating in financial life.

The number of bank cards held per capita in China has reached 6.4.

This is a statistic from the People's Bank of China. By 22, all banks have issued 8.177 billion debit cards, and the number of bank cards per capita in China has reached 6.4, including credit cards and savings cards. Some people may not understand the concepts of credit card and savings card, but there are great differences between them.

Credit cards and savings cards have different functions.

Generally speaking, credit cards are used for investment and consumption, while savings cards are used for savings. Savings cards can also be called debit cards. The credit card limit needs to be applied separately, and the bank will approve it according to a person's personal qualifications. The corresponding limit will be 1 yuan, and the maximum limit will be 1, yuan, or even higher. The savings card has no overdraft limit, which means that if you spend all the money in the savings card, you can't spend any more.

credit cards and savings cards are also managed differently.

Because we usually use the savings card as the purpose of saving money, we'd better not deposit money into the credit card when using it, because there is no interest on the deposit in the credit card, which means that we can take out as much money as we put in it. Because the annual fee of a credit card is generally higher than the data, it is better to use a savings card to spend more when it is not necessary, and the credit card is only an overdraft and a short-term cash supplement. For those friends whose financial situation is not very good, it is best not to use credit cards easily, otherwise your financial situation will get worse and worse.

why do you say that credit cards hurt many young people just because you borrowed money and need to pay it back?

Credit cards do harm many young people, but it is not because they have to pay back the borrowed money. Moreover, it is too easy to borrow money with credit cards, which makes young people borrow more and more, makes young people bear high debts, and makes many young people bear high debts, thus leading to a debt-ridden life.

Data on the total amount of credit cards issued in China in p>22

In recent ten years, the number of credit cards issued in China has increased by leaps and bounds, which shows that more and more people handle credit and overdraw.

as shown above, this is the number of credit cards issued by major banks in China by 22. From 211, the number of credit cards issued nationwide was 285 million, and it is estimated that the total number of credit cards issued nationwide in 22 will be 897 million.

based on 1.4 billion people in China, there are .64 credit cards per year in 22, which is .47 credit cards per capita compared with 218, and the number of credit cards per capita has increased significantly in two years.

Data of the era of national debt

According to the Report on the Debt Situation of Young People in China in 219, the age of this report is mainly between 19 and 29, and the younger generation is heavily in debt.

as shown above, from this data, the debt ratio of young people in 22 has reached 86.6%, and now only 13.4% of young people are not in debt.

This shows that the debt ratio of young people is particularly high. "Ten people and nine negatives" is not imaginary, but real data. Among them, most people who are in debt are all kinds of credit, among which credit cards account for the highest proportion.

how many young people have been harmed by credit cards?

The latest total amount of credit cards issued in China and the current debt ratio of young people have been learned above. From these two sets of data, we can draw two conclusions:

1. More and more young people use credit cards

2. The debt ratio of young people is getting higher and higher

We should know that credit cards have harmed so many young people, and it is not entirely the credit cards that are to blame. I think the main reason is the young people themselves, who have developed the habit of living a rich life.

There are three main reasons why credit cards harm people:

First, it is too easy to borrow money from credit cards; second, the interest rate of credit card loans is too high; third, the loan amount of credit cards has risen too fast; of course, young people are badly hurt by credit cards, and they are mainly responsible for the following aspects:

First, young people have developed the habit of spending in advance; second, young people do not. Loss of income

Third, young people just want to borrow money and don't want to pay it back

So both credit cards and young people have many shortcomings. As a result, credit cards really hurt many young people, and I don't know how many people are stuck in the debt of credit cards.

Summary and analysis

Credit cards have harmed young people. Nevertheless, young people still fall in love with credit cards. Young people support credit cards and eventually fatten banks.

So I would like to advise you that it is best to stay away from credit cards and overdraft consumption. In addition, it is necessary to understand that credit cards do not save the poor, and the more you use credit cards, the poorer you will become.

so much for the introduction of per capita credit cards.