Cases: on interest rates also on "human tide" of card slaves
20-year-old Xiao Xue from the beginning of summer vacation, busy working in fast food shops. The emerge of the prestigious junior students, workers are intended to pay off the credit card interest rates, do not stand up next semester card slaves.
Xiao Xue stresses brand, which is famous mobile phones, is wearing designer clothing, so students get the "wave" of the title. "Students say that my home is Dakuan, in fact, I will head this body, are using their credit card purchased." Xiao Xue said his home to 1,000 yuan a month to live on the money, but he can not keep up with the total consumption rate. The second semester sophomore year, Xiao Xue in the three banks to do a credit card. He come up with its own Office of the China Merchants Bank in a credit card, told reporters that this fixed amount of 5,000 yuan credit cards, he Cary every month from 2,500 yuan from the money in cash.
" have interest, I just general, very few are admitted." Xiao Xue said that he has their own shopping malls bought a nearly 5,000 yuan worth of digital cameras.
Xiao Xue said that he peacetime consumption entirely three credit cards. Junior last semester, he also used the credit card for a trip romantic pay for Huangshan Tour. "It was a memorable trip, let me understand the current girlfriend." Thereafter, Xiaoxue not only to their own buy and generous, what need is a word girlfriend, entirely consumption.
when , but when a month to repayments on worry about the Xiaoxue. Fortunately no interest, as long as the repayment date will be held on Qianhai. At the same time, various banks on the repayment of the middle differential, but also the people buffer.
"Even so, or not mature before the onset of the repayment of the money repaid in full." Xiao Xue said that he must leave this hard work.
Survey: College Students also have worries Youxi
In this connection the press Zhengzhou University, Henan Institute of Finance and Economics students staying the holidays done a random survey. In the 40 students interviewed, 24 people could accept credit cards, of which 15 were in a credit card, the cardholder rate reached 37.5 percent, with two more credit cards and four people. Turning to why the use of credit cards, most students believe that carrying too much cash will be inconvenient for credit card will facilitate many. At the same time, some credit cards can also enjoy special discounts businessmen. A small number of students said that the Office is to the credit card overdrafts, on the purchase of some previous Zanqian can afford the items.
As consumer does not pay in cash, kind of pained sense, some students spending up some Dashoutaijiao.
Zhengzhou, a university graduate Xiao Huang to buy a phone, the overdraft 1,800 yuan, debt to his day-long worried about the pressure.
Some "massive" to the students not worried about liabilities, "it is not, do more two, side by side also, do part-time holiday is also not on the line?» "
Bank: focus only on university training potential customers
It is understood that the 2005 date, China Merchants Bank, China Construction Bank, Agricultural Bank and other students to have launched a credit card.
Zhengzhou branch of China Merchants Bank credit card manager Zhao Lei told reporters that despite the groups of university students, no fixed income, but the future employment and development has been widely good, the first to lock the students could become good customers of the banks in future, at the same time allows The use of credit card holders in the process of establishment of the bank's feelings, on the banks to increase their loyalty.
The bank's lending risk, the industry is not worried: "If students are malicious credit card overdrafts, deferred loan bad credit history, banks will be at the same time be included in the dishonesty 'blacklist'. Personal Banking, the credit rating Loss, the future will run cards, loans, and so bring great trouble. "
It is understood that the bank is not for all the college credit card issuers, banks only part of the "211 Project" is the famous college or university in the credit card business, the cardholder students in these schools after graduation have a stable job and income, banks are willing to enter them Before the community on confidence-building and cooperative relations.
Recommendations: the cardholder spending should be reasonable and good faith
"Students use a credit card is a double-edged sword, the key is personal grasp of the scale." Concerned that the education sector, university students earlier contact with the credit card is a good thing, can advance an independent financial management training capacity, but is really a good use of credit cards, it is necessary to Look at the quality of the cardholders. Schools should strengthen the concept of college students spending and fiscal knowledge to guide education.
Henan rivers law firms or lawyers consider that the Sun end, "bank card business management approach": "card-issuing banks should carefully review the credit card applicant's credit status, based on the applicant's credit situation and determine an effective way of security guarantees." Currently, no Fewer students actually know that the bank is no work, no fixed income groups, but "no guarantees" such as "preferential" conditions to attract them to do card and the blind pursuit of the number of credit card issuers, is clearly contrary to the relevant national laws rules. Therefore, relevant departments of the credit card market to college students more detailed specifications.
Related links
Since 1999, the two South Korean 30 million a year to speed the issue of credit cards, in 2002 the total credit card breakthrough 100 million, the country over the age of 15 groups per capita consumption reached 3.6 credit cards. Consumer credit card abuse is the result of large areas of overdraft, overdrafts are not due to the income of laid-off workers and young people mainly because they ultimately add up overdraft amount was classified as "credit delinquents." In 2004, Korea's "bad credit" from 2000 to about 1 million people a rapid rise to 370 million people. In the weight of credit card debt, fratricidal, Fuqifanmu, my colleagues were traitors, who cheated each other of the countless things.
20-year-old Xiao Xue from the beginning of summer vacation, busy working in fast food shops. The emerge of the prestigious junior students, workers are intended to pay off the credit card interest rates, do not stand up next semester card slaves.
Xiao Xue stresses brand, which is famous mobile phones, is wearing designer clothing, so students get the "wave" of the title. "Students say that my home is Dakuan, in fact, I will head this body, are using their credit card purchased." Xiao Xue said his home to 1,000 yuan a month to live on the money, but he can not keep up with the total consumption rate. The second semester sophomore year, Xiao Xue in the three banks to do a credit card. He come up with its own Office of the China Merchants Bank in a credit card, told reporters that this fixed amount of 5,000 yuan credit cards, he Cary every month from 2,500 yuan from the money in cash.
" have interest, I just general, very few are admitted." Xiao Xue said that he has their own shopping malls bought a nearly 5,000 yuan worth of digital cameras.
Xiao Xue said that he peacetime consumption entirely three credit cards. Junior last semester, he also used the credit card for a trip romantic pay for Huangshan Tour. "It was a memorable trip, let me understand the current girlfriend." Thereafter, Xiaoxue not only to their own buy and generous, what need is a word girlfriend, entirely consumption.
when , but when a month to repayments on worry about the Xiaoxue. Fortunately no interest, as long as the repayment date will be held on Qianhai. At the same time, various banks on the repayment of the middle differential, but also the people buffer.
"Even so, or not mature before the onset of the repayment of the money repaid in full." Xiao Xue said that he must leave this hard work.
Survey: College Students also have worries Youxi
In this connection the press Zhengzhou University, Henan Institute of Finance and Economics students staying the holidays done a random survey. In the 40 students interviewed, 24 people could accept credit cards, of which 15 were in a credit card, the cardholder rate reached 37.5 percent, with two more credit cards and four people. Turning to why the use of credit cards, most students believe that carrying too much cash will be inconvenient for credit card will facilitate many. At the same time, some credit cards can also enjoy special discounts businessmen. A small number of students said that the Office is to the credit card overdrafts, on the purchase of some previous Zanqian can afford the items.
As consumer does not pay in cash, kind of pained sense, some students spending up some Dashoutaijiao.
Zhengzhou, a university graduate Xiao Huang to buy a phone, the overdraft 1,800 yuan, debt to his day-long worried about the pressure.
Some "massive" to the students not worried about liabilities, "it is not, do more two, side by side also, do part-time holiday is also not on the line?» "
Bank: focus only on university training potential customers
It is understood that the 2005 date, China Merchants Bank, China Construction Bank, Agricultural Bank and other students to have launched a credit card.
Zhengzhou branch of China Merchants Bank credit card manager Zhao Lei told reporters that despite the groups of university students, no fixed income, but the future employment and development has been widely good, the first to lock the students could become good customers of the banks in future, at the same time allows The use of credit card holders in the process of establishment of the bank's feelings, on the banks to increase their loyalty.
The bank's lending risk, the industry is not worried: "If students are malicious credit card overdrafts, deferred loan bad credit history, banks will be at the same time be included in the dishonesty 'blacklist'. Personal Banking, the credit rating Loss, the future will run cards, loans, and so bring great trouble. "
It is understood that the bank is not for all the college credit card issuers, banks only part of the "211 Project" is the famous college or university in the credit card business, the cardholder students in these schools after graduation have a stable job and income, banks are willing to enter them Before the community on confidence-building and cooperative relations.
Recommendations: the cardholder spending should be reasonable and good faith
"Students use a credit card is a double-edged sword, the key is personal grasp of the scale." Concerned that the education sector, university students earlier contact with the credit card is a good thing, can advance an independent financial management training capacity, but is really a good use of credit cards, it is necessary to Look at the quality of the cardholders. Schools should strengthen the concept of college students spending and fiscal knowledge to guide education.
Henan rivers law firms or lawyers consider that the Sun end, "bank card business management approach": "card-issuing banks should carefully review the credit card applicant's credit status, based on the applicant's credit situation and determine an effective way of security guarantees." Currently, no Fewer students actually know that the bank is no work, no fixed income groups, but "no guarantees" such as "preferential" conditions to attract them to do card and the blind pursuit of the number of credit card issuers, is clearly contrary to the relevant national laws rules. Therefore, relevant departments of the credit card market to college students more detailed specifications.
Related links
Since 1999, the two South Korean 30 million a year to speed the issue of credit cards, in 2002 the total credit card breakthrough 100 million, the country over the age of 15 groups per capita consumption reached 3.6 credit cards. Consumer credit card abuse is the result of large areas of overdraft, overdrafts are not due to the income of laid-off workers and young people mainly because they ultimately add up overdraft amount was classified as "credit delinquents." In 2004, Korea's "bad credit" from 2000 to about 1 million people a rapid rise to 370 million people. In the weight of credit card debt, fratricidal, Fuqifanmu, my colleagues were traitors, who cheated each other of the countless things.
No comments:
Post a Comment