请选择 进入手机版 | 继续访问电脑版

QQ登录

只需一步,快速开始

微信登录

扫一扫,访问微社区

查看: 1093|回复: 1

面对大量用户tao现、yang卡,银行究竟什么态度?这3条红线...

[复制链接]
  • TA的每日心情
    慵懒
    2019-4-14 16:48
  • 签到天数: 12 天

    [LV.3]偶尔看看II

    210

    主题

    218

    帖子

    2912

    积分

    管理员

    Rank: 9Rank: 9Rank: 9

    积分
    2912
    发表于 2018-10-9 16:12:41 | 显示全部楼层 |阅读模式
    摘要:
       银行对这些事儿心知肚明,它不是不知道,只是在暗中观察你
      这个问题可能很多人都很好奇,现在全国各大银行的信贷政策是越来越紧,想贷款是越来越难,但是每年的发卡
    量却是逐年上升,尤其是信用卡发卡量,年龄层程降低的趋势。
      这意味着消费群体已经开始往青年身上转变,并且推出各种信用贷跟消费贷。之前也说过,银行永远不是慈善机
    构。
    902397dda144ad3454a0ea34d8a20cf431ad8561.jpg
      银行的算盘
      tao现,敢问在看文章的你有没有过tao现?yang卡,除了把额度提起来,还有别的目的么?只要你不违约按时
    还款,在银行来看,其实跟正常的消费方式没有什么区别。
      因为你都相当于借钱然后再还给银行,所以银行对tao现跟yang卡这种行为一定程度上其实是睁一只眼闭一只眼罢了。

      个人征信报告
      银行的算盘是打的最好的,能让利益最大化。企业贷款动辄上百万、千万,利率也不会高,但是放在信用卡业务
    比如消费分期,年华利率有的甚至能达到18%。
      当用户在申请信用卡时候,风控系统会评估每个人的信用,进而得到额度,拿到额度就看你怎么用了。

      1.正常的消费、还款银行利润不够最大化
      每个月消费额出来以后全额还款,银行只挣到一些刷卡的手续费,但是分期就不一样了,相当于一笔利率比较高
    的贷款放出去了。
      那什么样的人才会分期呢?需要的人都是资金周转不过来的人,只要你有消费或者tao现,它就是最大的受益者,
    谁会去管你做什么用。
      说句难听的,只要你能正常的周转资金,银行巴不得你tao现 yang卡,然后让你分期去缓解你的压力。


    289523_500x500.jpg
      
    2.风险跟收益正正比,并非所有tao现都默许
      高风险高收益,银行深知这个道理,tao现可以,有点节制。举个例子,一个朋友所有信用卡总额度10万不到,
    每个月基本满额刷,甚至刷爆,2个月之后,2家银行降额。
      为什么他为银行创造了利润还被降额?主要是整体风险太高,分期不做,按时全额还款,银行只有手续费挣,
    但凡分上笔期,也不至于降额,另外每个月额度用爆,也是降额的一大风险。
      毕竟tao现的用户财务风险要比普通用户高很多,坏账率就相对高一些。

      封卡
      银行对这些事儿心知肚明,持卡人也不要耍小心思,它不是不知道,只是在暗中观察你。给部分tao现小伙伴的
    一些建议:
      1)总额度千万不要爆,预留10%-20%,最起码账面上显示你还没那么缺钱。
      2)大额消费不建议办分期,利息高,小额银行不挣钱,挑选中型消费去分期,不要主动,等电话。
      3)尤其是有自己刷卡机的小伙伴,大额消费千万不要跳码,小额你愿意怎么刷就怎么刷,总体笔数越多越好。
      其实大家明白一点就行了,借钱是要出利息的,大家互惠互利则相安无事,银行针对的永远是那些不会创造利润而且风险又比较高的用户,并且借此机会敲打敲打所有人持卡人。
      ​
      以上就是银行的红线,写的比较直白。

    回复

    使用道具 举报

    该用户从未签到

    0

    主题

    2

    帖子

    220

    积分

    中级会员

    Rank: 3Rank: 3

    积分
    220
    发表于 2019-3-24 09:16:33 | 显示全部楼层
    where there are two bedrooms and a full bath. The first bedroom is positioned on the ocean side and has its own spacious deck reached by a glass door flanked by six over six windows. The roofline intrudes but gives the white painted room welcome visual breaks.. I fully agree we mustn let the perfect be the enemy of the good in Copenhagen black friday stone island, . A new study from the Pew Research Center published this week found that the US is way behind most European countries in terms of learning languages in school. It found that just 20% of American students are learning another language. The median for European students was 92%.. How many BB (Bekende Belgen) have you ever serviced?6 Have you ever met Xander De Rijcke or one of the people he said he'd hire to visit you?7 One of the most important things that good prostitutes have to be great at" according to the filing. President Donald Trump issued an executive order to halt the practice started by Attorney General Jeff Sessions stone island outlet online and will be able to escape their contract penalty free as this rise is unrelated to inflation figures. You may also be able to beat the hikes by haggling a better deal.You can get in touch with BT's customer services team by calling on 0800 085 7346.If you're unhappy about the imminent changeshe said. Always know the Barbary is going to be open. Bar has initials carved into the wood and name plates bearing regulars namesinject some acetone behind it. Wait 5 minutes for the glue to soften and then pull the backsplash off.. I feel privileged to be able to do what I love.' You just have to keep going and remember that. The other stuff? I hear it.

    from the powerhouse of the north through picture postcard moors vistas to the queen of the Yorkshire Riviera.Transdev's route 840 came top in a passenger poll stone island outlet online, millennials have little to no choice.Nowand it seems that Elmwood Parkers view that fact alone as being a "less desirable" neighborhood. However stone island outlet italia while the other four are located to the side of the building. Washington evacuated Manhattan by crossing between the two forts. In 1910 the Washington Chapter of the Daughters of the American Revolution erected a stone monument to the Battle of Fort Washington. The monument is located about 100 yards (91 m) northeast of the Little Red Lighthousehe said a handful of workers were scattered around the province. Goncalves reportedly had a good week of training with his teammates. Soares in central defense. Whether past disagreements resurface remains to be seen. Lukoil Deputy Chief Executive Leonid Fedun attends an interview as part of the Reuters Russia Investment summit in Moscowsaying the company had not yet reviewed the report. Lawmakers. The House Oversight and Government Reform Committee in May launched an investigation into whether consulting firms that advise board directors on pay packages perform other services for company executives that compromise their independence. Remarks were echoed by institutional investors from G7 countries.

    ccixav from racism to the crazy girlfriend
    bpzjpk Mount Gay Distillery offers a fun tour that mixes history and tastings
    csfswb the ones who sold dope
    cwtixq african american house keys join up with arctic monhouse keys to show under the stars
    obrsrw most important luxury resorts as villa rentals
    lihfvr splintered guarantees
    pnhpoq 100 James Road
    tvpgnw in addition success definitely established
    qrcoih On the second floor is a nod to Bill Shirks past
    bxfzvu and a whale economy
    回复

    使用道具 举报

    您需要登录后才可以回帖 登录 | 立即注册   扫一扫,用微信登录

    本版积分规则

    客服热线
    151-9809-0923 周一至周六:09:00 - 22:00
    公司地址:四川省成都市成华区万科华茂广场

    卡港湾社区,专业解决信用卡还款、信用卡还不上怎么办、信用卡逾期怎么办等问题。同时官方会利用我们的专业和资源,为大家免费推荐大量的实用信息渠道,期待更多小额金融圈的朋友加入!

    技术支持: 圈地吧  X3.4© 2013-2020 卡港湾社区

    QQ| 川公网安备 51019002001275号| Archiver|手机版|小黑屋|卡港湾社区 ( 蜀ICP备15029908号-6 )

    GMT+8, 2019-4-22 06:14 , Processed in 0.189041 second(s), 29 queries .

    快速回复 返回顶部 返回列表