有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

作者: 发布时间:2017-12-09 17:20:00  来源: [手机访问]
导读: 信用卡是一种发卡机构(多是银行)向个人或单位发行的用于非现金交易的付款方式,信用卡早已不是什么新鲜玩意,截止到11月底,2017年全国累计信用卡发放量已达到

信用卡是一种发卡机构(多是银行)向个人或单位发行的用于非现金交易的付款方式,信用卡早已不是什么新鲜玩意,截止到11月底,2017年全国累计信用卡发放量已达到5.52亿张!

我们常能听到或看到这样的现象:有人手里有多张信用卡,通过(临时)提额、掌握时间红利、利用免息期、玩转数字游戏等方式竟然刷出了一套甚至多套房!

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

而有的人不仅手里就一张卡,还备受折磨,甚至由于逾期还款、过度消费等上了央行征信黑名单!

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

那么对于这几类人来讲,真的不适合使用信用卡:

1、爱好过度消费的人

信用卡中的“信用”不仅指银行对你的还款能力、经济能力的信任,也是你对自身经济评估能力的一种认可。如果你盲目的高估自己的还款能力,最终等待你的只能是逾期了,随之而来的便是数不尽的麻烦。这类人也是银行十分讨厌的。

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

解决方法:过度消费往往来源于自己对奢侈品、生活非必需品的欲望所导致的,所以拥有对自身经济能力的认知就显得十分必要,大家可以从生活记账这个小细节开始,管理自己的经济情况。

这里推荐大家使用小而美的“有鱼记账APP”,从毫无节制到精打细算,其实没那么难~

2、懒散随意的人

每个人都有或多或少的惰性,但有的人懒到连还款日期都忘记,甚至在银行催款人员的多次提醒下仍然无动于衷......而因逾期还款被定为恶意透支而坐牢的人也不在少数......

解决方法:无解!

3、拿信用卡当储蓄卡的人

我们都知道,信用卡更多的是用来解决现有的资金周转、便捷支付问题,当然也有人拿来套现、套利,这些都是很正常的。但是有些人居然拿信用卡当储蓄卡来用,结果额度没提升、利息没赚到,反而扣了不少手续费。

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

解决方法:正确理解信用卡和储蓄卡的概念和用途,虽然合理的存钱能提额,但不建议小白操作。信用卡里的钱是没利息的,而且套现再转账的手续费高于网银转账。

4、收入不稳定的人

有些白领或是由于销售人员冲业绩的游说一时冲动办了信用卡,但无奈自己是个不安分的人:2个月一跳槽、三个月一离职,自己的房租尚且东拼西凑,又拿什么还信用卡呢?

解决办法:安稳一些吧少年,也让父母放心些...

5、不懂或不愿学习内情的人

我们都知道银行不仅是管理钱的机构,也是十分赚钱的机构。信用卡作为各大银行的主打产品,为了赚钱广大持卡人的钱,也是埋了不少“坑”的!例如分期还款的高昂手续费就是其一。当然,不愿学习信用卡的更多获利套路并不会让你损失太多,但想要因此赚钱的话则是万万不可能的。

解决办法:怎么解决逾期?怎么以最小成本套现?怎么刷出大量积分?以及开篇提到的如果”套“出一套房?这些都是需要对信用卡有深入研究的。

简单来说,从第一步申请信用卡都是需要研究的!不同的银行包括同一银行发行的不同信用卡都是不同,适用的人群也不相同。第一次申请信用卡包括正在使用但催信用卡了解不多的朋友不建议直接申请四大行的信用卡,被拒几率高。如何选择适合自己的信用卡可以看下方:

(1)喜欢网购的童鞋可以申请”中信淘宝卡“,首年免年费、网购最高10倍积分等优惠都是不错的福利。

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

(2)偏好取现的童鞋可以申请”交行Y-POWER卡”,超低的取现手续费、100%的取现额度!

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

(3)爱好旅行、经常出差的小伙伴可以申请“光大银联龙腾联名卡”,机场贵宾厅服务、900万意外险等为您的出行保驾护航。

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

(4)有车、用车较多的小伙伴可以申请“平安车主卡”,可享加油88折、汽车保养、道路救援等服务。

有人“刷”出一套房,有人却上征信黑名单?这5类人连银行都讨厌

先给大家推荐上述4种信用卡,更多关于信用卡的申请、提额、逾期等问题可私信小鱼哦~

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6497114489878479374/', abstract: '信用卡是一种发卡机构(多是银行)向个人或单位发行的用于非现金交易的付款方式,信用卡早已不是什么新鲜玩意,截止到11月底,2017年全国累计信用卡发放量已达到5.52亿张!
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