1. Credit cards encourage personal consumption, which may increase personal unnecessary liabilities.

In the past, we spent all our money. If we take out paper money, we will feel distressed. Since we have a credit card, online consumption and offline consumption may be bought in buy buy, and we don't consider our income ability under impulse. When the credit card repayment date arrives, I feel a little sour and refreshing. If the income is tight, it may not be a one-time repayment, so I will start living by stages. Installment consumption is not worth mentioning in the eyes of people who don't know how to do it, but in fact credit card installment is very expensive. For example, the monthly interest rate is 0.7%, and the monthly handling fee is 350 yuan, which will not decrease with the monthly repayment of the principal, but this 350 yuan has to be paid back 12 months, with a total handling fee 12 months. But in fact, the principal is paid back every month, which means that the average principal used is actually 25,000 yuan, so the actual interest rate of credit card installment is 1.4% per month, which is very expensive. In fact, it is not as good as a normal bank loan.

2. Relatives and friends may borrow money because you have a credit card.

There are too many such cases, so sometimes if you have a credit card, it is good to know it yourself, and don't let friends and relatives know it, otherwise it will easily lead to a "bloody case" of borrowing a credit card. Let's just say. Everyone knows that your income may not be so rich, but your friends and relatives know that you have a credit card, and they may easily think of you and your credit card when they need financial assistance. Then I'm sorry if you don't borrow it, but you cashed it out and don't know when to return it. This is the beginning of a tragedy.

3. After the credit card is completed, you may need funds in the future and you will cash it out as a loan.

Some people apply for credit card cash flow. Whether this cash is used properly or not, it will be the beginning of increasing our debt. It is illegal to cash out credit cards in principle, and banks may turn a blind eye because they are profitable. But for individuals, the records of credit card cashing are actually screened in the bank system, and there are obvious records in the credit information. I want to buy a house in the short term, just as the credit card has been cashed out, forming a debt record. In fact, banks are very disgusted with the excessive use of credit cards. They would rather see the record of your use of loans than see you use credit cards for financing or consumption with high frequency.

4. Credit card bills are easy to forget, which affects personal credit records.

Some people may forget to return a credit card, not to mention those who apply for more credit cards. I've seen many customers with overdue records on their credit reports, basically because their credit cards are overdue. In fact, the amount is not large, and some even have only a few dollars. However, if there are many transactions, it will affect the loan. Not to mention bank loans, the loan products of Internet finance companies will also look at credit reporting. Overdue for more than six times within two years, regardless of financial reasons, is directly called invalid credit investigation. When you borrow money, the echo you hear must be "hello, I'm glad to serve you." At present, your credit record does not meet our loan requirements. Thank you. "

5. Credit card can be used without small secret payment or even transaction password, resulting in theft.

Some banks' credit cards can be used directly without setting the transaction password in the early stage, which is terrible. I am a person who often forgets the credit card password. In the past, it was completely impossible to enter the correct password every time I applied for a credit card in a bank, so I tried to swipe it twice, and the passwords were different, only to find that I could realize consumption. I was shocked and quickly called the customer service to set the credit card transaction password. Some credit cards are used after customers activate and set passwords, so there is a risk that 300 yuan does not need to enter passwords when spending. Here, I also suggest that if you have a credit card, you must call customer service to ask about your credit card, including whether to set a complete inquiry password and transaction password, and whether to open the small secret-free payment function. If so, it is recommended to deal with it immediately.

Therefore, in our life, in fact, no more than three credit cards can meet daily consumption, but if there is no special need for a high amount, it is recommended to adjust the amount of a single card within 20,000, so that ordinary consumption can be met. It is suggested that friends should live within their means regardless of whether they use credit cards or not, and use credit cards or other financial services correctly according to their financial situation. Life can be beautiful through finance, or it can be destroyed by finance, so be in awe.

Why are some people unwilling to apply for credit cards?

1. The credit card has a repayment period, and it needs to be repaid after it is overdue.

Credit card consumption in advance is equivalent to short-term loans and will not change. Long-term overdue will affect credit records and mortgage applications.

3. Credit cards cultivate consumers' habit of overdrawing credit and spending in advance. Small favors and small discounts are actually the trap of consumerism, which leads to the concept of unrestrained consumption.

4. Credit cards don't need passwords, so the risk of swiping cards is higher.

Of course, if you are very self-disciplined, credit cards can also help you catch wool. But most people are greedy for petty gain, and most of them are plucked by credit cards.

6. Banks never get tired of issuing credit cards. Banks have never been philanthropists, and smoking is engraved on their lungs.

(original answer, hope to adopt)

More and more people refuse to apply for credit cards (debit cards) because banks do it themselves.

In the past, credit cards (debit cards) have always been more popular with young people. Many people are willing to go to the bank to apply for a credit card (credit card) without waiting for the bank salesman to sell it at home. However, on the other hand, it is difficult for salesmen to push now, set up stalls at the entrance of the community and send small gifts with cards to capture the hearts of users. More and more people no longer favor handling and using credit cards (debit cards).

Why is this?

Many people have said that it is because Alipay now has flowers and loans; WeChat has micro-loans, and JD.COM has white bars; Credit card (debit card) is no longer the only choice for people to spend in advance. Small finance, I think this is really one of the reasons. But I think it's more because banks do it themselves, unwilling to change the old model but catering to young people.

First, credit cards (debit cards) have annual fees, but other credit products do not.

We all know that credit cards (debit cards) have an annual fee; Even some special credit cards (debit cards) will generate annual fees even if they are not activated. Users often need to swipe credit cards (debit cards) to meet a certain number of transactions, or spend a certain amount to avoid annual fees. This is very difficult for some people who want to apply for a credit card (debit card) but don't like to use it to swipe their credit cards (debit cards).

Compared with credit cards (debit cards), those credit products that appeal have no worry about annual fees; There is no need for users to force consumption because of the annual fee, nor will they force annual fees because of special accounts or even because the annual fee is overdue. Therefore, for users with small consumption, other credit products without annual fee requirements do have advantages over credit cards (debit cards).

Two, credit cards (credit cards) will be overdue credit, other credit products are not necessarily overdue.

Credit cards (debit cards) are directly linked to personal credit records. As long as the credit card (credit card) is overdue, it will definitely be on the personal credit record. Moreover, personal credit records can influence the "fate" of users' future mortgage, car loan, personal loan and other businesses, which has a great influence.

However, after other credit products are overdue, overdue records may not be immediately included in personal credit records. Because the use and overdue records of credit products like Bai Hua are temporarily recorded in Sesame Credit, Alipay will also report personal credit information according to the serious overdue situation.

Therefore, for users, the direct connection between credit card (debit card) and credit information will make users feel too insecure. Faced with such a situation, everyone would rather give priority to using credit products provided by third-party payment platforms such as Huayuan than using credit cards.

Third, the interest on cash withdrawal of credit cards (debit cards) is relatively high.

Credit cards (debit cards) can also be withdrawn, but the interest rate of credit cards (debit cards) in most banks is 15 thousand, so the probability of interest rate reduction is relatively low; The interest rate adjustment flexibility of other credit products is relatively high. For example, to borrow money, some people start with an interest rate of 15,000, and after several uses, it becomes 141,300; Even for some people with better qualifications, the interest rate directly drops to 1 1.5, which can be said to be much more cost-effective than credit cards (debit cards).

To sum up, I think credit cards (debit cards) are gradually losing the favor of young people, and there are other reasons besides more competitors. However, credit cards (debit cards) are not so useless. Large credit cards (credit cards) have advantages over users who need large amounts of money!

Why don't banks handle credit cards?

Credit cards cannot be processed for several reasons:

1. The user does not meet the card issuing conditions, or the user is not within the application age limit. (Shizuka said card A)

2. The application materials submitted by users are incomplete, low in authenticity or do not meet the conditions for applying for a credit card.

3. If the user has a bad credit record, the bank will check the user's credit record according to the credit information platform. If the record is not good, the bank will refuse to handle it.

4. The bank's comprehensive score of users is not up to standard, and only when the score is up to standard will the bank approve the card.

5. The user did not choose a formal institution to handle the credit card.

Why don't you go to the bank to get a credit card letter of introduction? Let's stop here.