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金融知识万里行|合理使用信用卡 树立理性消费观

2021-06-10

为深入贯彻习(xi)近平新时代(dai)中(zhong)国(guo)特色社会(hui)主(zhu)义思想,落实(shi)国(guo)家(jia)相关政策文件要求及(ji)(ji)银(yin)保(bao)监会(hui)消(xiao)(xiao)费者(zhe)权(quan)益保(bao)护工作要点,着(zhe)力提升银(yin)行(xing)(xing)消(xiao)(xiao)费者(zhe)风险(xian)防范意识(shi)和能力,有效解(jie)决消(xiao)(xiao)费者(zhe)办理业(ye)务中(zhong)遇到的(de)问题,切(qie)实(shi)履行(xing)(xing)消(xiao)(xiao)费者(zhe)教(jiao)育工作主(zhu)体责(ze)任(ren),全面保(bao)障广大金(jin)融(rong)消(xiao)(xiao)费者(zhe)的(de)合法权(quan)益,进一步(bu)树立银(yin)行(xing)(xing)业(ye)良好形象,按照《关于印发<2021年西藏(zang)(zang)(zang)银(yin)行(xing)(xing)业(ye)普及(ji)(ji)金(jin)融(rong)知(zhi)识(shi)万(wan)里行(xing)(xing)活(huo)动(dong)方案>的(de)通知(zhi)》(藏(zang)(zang)(zang)银(yin)协发〔2021〕61号)、《2021年西藏(zang)(zang)(zang)银(yin)行(xing)(xing)业(ye)普及(ji)(ji)金(jin)融(rong)知(zhi)识(shi)万(wan)里行(xing)(xing)活(huo)动(dong)方案》等文件要求,西藏(zang)(zang)(zang)金(jin)租(zu)定(ding)于6月(yue)1日(ri)(ri)至6月(yue)30日(ri)(ri)开展普及(ji)(ji)金(jin)融(rong)知(zhi)识(shi)万(wan)里行(xing)(xing)宣传教(jiao)育活(huo)动(dong)。

信用(yong)卡(ka)以其(qi)可(ke)以透支并可(ke)免去携带(dai)现金(jin)之不便等优点,成为(wei)(wei)目前备受消(xiao)费者(zhe)青睐的(de)一种(zhong)支付工具。但是,由于(yu)种(zhong)种(zhong)原因,信用(yong)卡(ka)消(xiao)费者(zhe)不能如期偿还其(qi)所欠银行之债也已成为(wei)(wei)信用(yong)卡(ka)业(ye)务中比较突出的(de)一个问题(ti)。那么(me),应当如何正确(que)认识并使用(yong)信用(yong)卡(ka)呢?

2020年5月,消(xiao)费(fei)者(zhe)刘某(mou)多次致(zhi)电银(yin)行并(bing)(bing)投诉至监管机(ji)构,称受疫情影响(xiang)无收(shou)入来(lai)源,导(dao)致(zhi)信用卡(ka)产生逾期,并(bing)(bing)需支(zhi)(zhi)付(fu)违约金和利息,希(xi)望银(yin)行帮其(qi)做协(xie)议分期并(bing)(bing)修改不(bu)良征信记录。消(xiao)费(fei)者(zhe)过度(du)依赖信用卡(ka)透支(zhi)(zhi)消(xiao)费(fei),背(bei)负超出其(qi)偿(chang)还能力(li)的(de)(de)大额信用卡(ka)贷(dai)款的(de)(de)此类现象屡见不(bu)鲜(xian)。

针(zhen)对信用(yong)卡业(ye)务的投诉热点和消(xiao)(xiao)费(fei)误区(qu),中国银(yin)保监会消(xiao)(xiao)费(fei)权(quan)益保护局在2020年第四(si)号风险(xian)提示中提醒消(xiao)(xiao)费(fei)者:应(ying)(ying)正(zheng)确认(ren)(ren)识信用(yong)卡功能,合理(li)使用(yong)信用(yong)卡,树立科学(xue)消(xiao)(xiao)费(fei)观(guan)念(nian),理(li)性消(xiao)(xiao)费(fei),适度透支。有(you)关部门分析认(ren)(ren)为,信用(yong)卡消(xiao)(xiao)费(fei),应(ying)(ying)当注(zhu)意以下两个方面(mian):

正(zheng)确认识并合(he)理使(shi)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)。信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)是银(yin)行给予持(chi)卡(ka)(ka)(ka)(ka)人(ren)一定信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)额度、先消(xiao)费后还(hai)款(kuan)(kuan)的(de)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)支付(fu)工具,主要(yao)是为了(le)满足金融消(xiao)费者日(ri)常(chang)、高频、小额的(de)消(xiao)费需求,方便(bian)消(xiao)费者生活。申请信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)应通过(guo)银(yin)行的(de)正(zheng)规渠(qu)道申请信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka),切勿通过(guo)中(zhong)介(jie)机构或他人(ren)转交申请。收到信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)后应在卡(ka)(ka)(ka)(ka)片(pian)背面(mian)签名(ming)栏上签名(ming)。使(shi)用(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)时(shi)(shi)要(yao)注意(yi)(yi)妥善(shan)保管交易密(mi)(mi)码,不(bu)要(yao)向任何人(ren)透(tou)露密(mi)(mi)码;输入密(mi)(mi)码时(shi)(shi),应注意(yi)(yi)用(yong)(yong)(yong)(yong)(yong)手和身体进行遮挡。在签购单上签名(ming)前,认真核(he)对刷卡(ka)(ka)(ka)(ka)金额,并且不(bu)要(yao)随意(yi)(yi)丢弃有个人(ren)信(xin)(xin)(xin)(xin)(xin)息的(de)书面(mian)材料或刷卡(ka)(ka)(ka)(ka)单据。同时(shi)(shi),应当记(ji)住信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)账单日(ri)和还(hai)款(kuan)(kuan)日(ri),定期查询信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)账单,及时(shi)(shi)进行信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)卡(ka)(ka)(ka)(ka)还(hai)款(kuan)(kuan),保持(chi)良好的(de)信(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)记(ji)录。

树立科学消(xiao)费观念。在使用(yong)信用(yong)卡消(xiao)费时,消(xiao)费者应(ying)做(zuo)好资金规划并(bing)合理选择还款方式,做(zuo)好个(ge)人或家庭资金安排和管理,考虑(lv)自(zi)身实际需求(qiu)、收支状况理性消(xiao)费,避免信用(yong)卡逾期,坚持量入为(wei)出、避免盲(mang)从的消(xiao)费观念,防止因为(wei)过度消(xiao)费而影响日常生活。

官方提醒(xing),如果持卡(ka)人适度(du)使用,理性(xing)消(xiao)(xiao)费(fei),信用卡(ka)就会为生活带(dai)来便(bian)利与保障(zhang);但若盲(mang)目(mu)、过度(du)消(xiao)(xiao)费(fei)导致超出自身(shen)偿还能力,将会给(ji)消(xiao)(xiao)费(fei)者带(dai)来风险和(he)损失(shi)。所以正(zheng)确使用信用卡(ka)、适度(du)消(xiao)(xiao)费(fei)是十(shi)分必要的。

素(su)材 / 宁波晚报