14k wholesale jewelry Why do bank staff chase the customer to get a credit card? Also gifted a small gift, what routine behind it?

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3 thoughts on “14k wholesale jewelry Why do bank staff chase the customer to get a credit card? Also gifted a small gift, what routine behind it?”

  1. Eric

    wholesale men's christian jewelry necklaces In fact, everyone can borrow a sum of money from the bank for free. As long as they repay within the specified time, we will not charge us a penny. This method is the way to borrow interest -free borrowing, only to apply for a credit card to achieve it.

    but not just credit cards, all kinds of credit products that are paid first before appearing on the Internet are also available for borrowing without interest. But if we compare the interest -free period, the interest -free period of credit card is longer. The longest interest -free period for credit cards in my country can reach 56 days, while new generations of online products are generally only about 40 days.

    It this kind of interest -free borrowing is very popular because we are not everyone's economic conditions so well, and we can get money immediately. Or if something happens at home, you can use interest -free borrowing when you need to use money in urgent money, so as long as you repay within the specified time, you can solve the urgent need. But do you find that not only do we like this model very much, but also the bank also hopes that people go to apply for credit cards.

    This to the bank to apply for some business, you will often be asked if you want to apply for a credit card? Even when shopping on the Internet or on the street, you can often see activities in the bank that you can send credit cards to send small gifts. Through everyone's needs and the strong publicity of banks, we can find that more and more people have credit cards in recent years, and many friends generally have more than one credit card in their hands.

    I we can find in the first quarter of 2021 released by the central bank that the number of issuance to the national credit card has reached 784 million. In this way, more than half of people are using credit cards. Not only that, the total credit amount of bank cards across the country also reached 1.964 trillion yuan, and on average, each card had a overdraft limit of 25,000 yuan. In this way, in fact, the bank card overdraft limit on each of us is very large.

    The data shows that as of the end of the first quarter, the total credit card amount of credit cards reached 7.99 trillion. In other words, on average, each cardholder must pay 10,100 yuan in debt. Not only that, the number of card issuance, total credit, and total amount of credit this quarter have increased differently compared with the previous quarter.

    This data shows that people are increasingly inseparable from credit cards. No matter what you want to buy or other things, you will temporarily reduce your economic pressure with a credit card. When many friends apply for credit cards, they have strongly promoted credit cards. So why do the banks be very enthusiastic about letting everyone apply for a credit card? Isn't it a loss of money to borrow money?

    In No one will be willing to do money for money. The bank is actually trying to make a credit card in order to earn everyone's money. Although it is free to apply for a credit card, it is not free to use the credit card. After we apply for a credit card, there will be a lot of cost items, which will be deducted invisible. For example, starting from the year when everyone handled the credit card, everyone has to deduct annual fees every year.

    For example, CITIC Bank's platinum credit card, annual fee is as high as 2,000 yuan a year. You can calculate that the 784 million credit card we mentioned earlier, if all of them are charged at this annual fee, then the bank's annual income is 1.5 trillion, which is a very large amount. And more and more people use credit cards, this amount will be more and more.

    It, there are banks' fees. Although the fees are not particularly high, when we trade with the bank, we will actually generate a lot of handling fees. For example, when banks charging merchants will income fees, and handling fees will be incurred in transaction stages. Although the amount of each handling fee is not particularly large, the accumulation is less, and the accumulation of the handling fee is also a lot of income. In the 2020 bank annual report data, the handling fees of CCB and Bank of Communications have exceeded 20 billion yuan.

    In see this, everyone understands why the bank has to highly recommend everyone to use a credit card. Even if every friend repays on schedule, there is no interest such as interest, and the bank can have a lot of income. And the consumption method of credit card is easy to stimulate people to make excess consumption.

    It, especially for some friends who have no concept of money, they often use what they want to buy, and they will use a credit card to do it, but in the end Not on the case. If the repayment date given by the bank, the bank will pay the interest rate on time. In this way, the debts of some friends are like snowballs. The more rolling, the more rolling, and the older credit reporting. Therefore, when you use a credit card, you must consume rationally. According to your own economic conditions, don't always regret it for a while.

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