The rise of flower beds has greatly reduced the amount of credit cards issued. According to the data of the central bank, the growth rate of credit card issuance in the whole industry decreased by 0.63% from 6.5 1%. As a credit product with the lowest threshold for banks, why did credit cards encounter waterloo and fall all the way?
Why are young people unwilling to use credit cards? Nowadays, young people have just entered the society, with insufficient funds and relatively blank credit information. If they apply for a credit card, the amount will not be very high. In addition, flowers are more convenient and the process is simpler, so there is no need to go through such procedures. In contrast, young people are more keen on flowers.
Give up the credit card because it is more convenient to spend money, just want to say: you still know too little. At present, flowers and credit cards have become the two most commonly used advanced consumption methods for young people, and we have no standard to judge which is better. But credit card is a kind of credit model issued by banks, which has already pulled a long distance from the starting line:
1. Credit line. Generally speaking, the amount of flower beds is not very high, the highest is 50 thousand, and even most people have only a few thousand, and they have not used tens of thousands for several years. On the other hand, credit cards have no upper limit. The longer you use it, the higher the limit. Those who meet the most basic conditions (stable job and income) will have the first batch of places between 5000- 1 000. Some customers with good conditions can get more than 10,000 yuan for approval.
In addition to the most common credit cards, there are higher-level credit cards, such as platinum cards, with a general quota of 654.38+ 10,000-654.38+10,000, and stone cards and black cards with a quota of more than one million. When you have special circumstances, such as buying a house, buying a car, getting seriously ill, etc. You are in urgent need of funds, and the advantages of credit cards are prominent.
Second, welfare benefits. Generally speaking, there is little activity in the garden. Apart from the occasional red envelope reward of a few cents, the benefits of credit cards are definitely more than these few cents, mainly divided into points and privileges. When the points meet certain requirements, you can exchange the corresponding goods. And different levels enjoy different privileges: gold card users can avoid queuing in the bank, and there are concessions for installment repayment; Platinum card users have car refueling concessions, airport VIP services and so on. Stone card users enjoy high-end services such as free regular stay in high-end hotels, free participation in high-end clubs and free medical care.
Third, withdraw cash. It is forbidden to withdraw cash from flower beds, and the regulations can only be used for online consumption. Credit cards, on the other hand, have a withdrawal amount, although there is a certain withdrawal fee, which is generally about 1%. Credit cards come in handy if you are in a hurry to use money.
Fourth, the consumption scene. Although flowers and credit cards can be used online and offline at present. However, the application scenario of flower beds is still not as good as credit cards. At present, flower beds are only widely used in some small vendors, small shops and the Internet, but in some high-end hotels, restaurants and large shopping malls, only credit cards are supported for the time being.
Summary: Credit cards have advantages over flower beds, not only with higher quota, better welfare and richer consumption scenarios, but we can't completely deny the advantages of flower beds in some aspects, such as being more convenient and faster without a card, and having a lower threshold.