Credit cards are not allowed to flow into real estate.

The main purpose of banks stopping personal overdraft credit cards from buying houses is to prevent credit card funds from illegally flowing into the property market and becoming a source of funds for real estate speculators. The flow of funds from personal credit cards into the property market deviates from the requirement of "houses for living, not for speculation" and affects the effect of real estate regulation.

The use of credit cards brings great convenience to everyone. Since all major shopping malls support credit card payment, consumers do not need to carry large amounts of cash with them when making purchases, which also reduces a lot of cash loss. problem. While using a credit card, you can use this part of the funds for financial management. Not only can you get corresponding benefits, but you can also accumulate corresponding points. You can also use the points to redeem products or coupons. In addition, you can solve the problem of cash flow difficulties for some people due to consumption. Condition.

Notes on the use of credit cards:

1. Consumption self-control

Although a large credit card limit is a good thing, for those who do not have self-control or cannot correctly understand their own finances, For people in a certain situation, large amounts can have disastrous consequences. Generally speaking, it is best for the credit card limit for your own consumption to be less than your own salary within three months. After all, the consumption limit for three months' salary is not too large. In case of an accident or being fired from your job, you can also flexibly adjust your credit card Bills to adapt to your own income level and enhance your ability to resist risks.

2. Be careful with installments

In this era of rampant consumerism, people generally have low incomes, but they want more and more things. Installment has become a popular choice for many people. one of the choices. You must know that if you swipe away 20,000 yuan in the same card at one time, the psychological pressure will be very great; but if it is divided into 24 installments, you only need to pay back a little more than 800 yuan every month, and the psychological pressure will be greatly reduced.

For the former, since it is a one-time consumption of so much, in order to relieve one's own financial pressure, they usually choose to pay off as soon as possible to free themselves from heavy financial pressure. Even after considering the financial pressure that they need to bear, they directly refuse to consume.

Because the latter chooses installment, the financial pressure is not great, so it is easy to have the illusion that "I can bear more debts." Coupled with the long repayment period, it is easy to expand your own debt and put yourself into a debt crisis.