今天,信用卡潜移默化地变成了大部分人的持有品。超前消费逐渐成为流行,“先消费后付款,用明日钱做今日事”呼吁而起。随着这样的观念,信用卡推广普及,加之有其他银行卡所没有最大功能——透支,于是信用卡大受年轻一族的青睐。信用卡给人们带来极大方便。人们只要在发卡行存有足够资金,持卡到商店购物就可直接刷卡代替现金。如果到异地购买大宗商品又须付现金时,更是免除了不必要的手续费及携带现金外出不便因素。于是乎,刷卡成了人们生活中习以为常的事。可天下事无十全十美。信用卡依然有潜在危机,无计划地乱刷卡,会让我们在无形中从潇洒的刷卡一族沦为沮丧的“卡奴”一族。 Today, credit cards subtly become the majority of people’s holdings. Advance consumption has gradually become popular, “first payment after the payment, with today’s money to do today,” called for. With such a concept, popularization of credit cards, coupled with other bank cards do not have the biggest feature - overdrafts, credit card greatly favored by young people. Credit cards give people great convenience. As long as people have sufficient funds in the card-issuing bank, card-to-store shopping can be replaced by direct credit card instead of cash. If you go to different places to buy bulk commodities and pay cash, it is also free from unnecessary handling fees and carrying inconvenience caused by cash. Ever since, credit card has become commonplace in people’s lives. Can be world without perfect. There is still a potential credit card crisis, unplanned chaos credit card, will allow us virtually from the smart card owners reduced to depressed “card slave” family.