【信用卡遇到的一大難題】—— 你可能并不了解

在當(dāng)今社會(huì)，信用卡已經(jīng)成為人們?nèi)粘Ｉ钪胁豢苫蛉钡闹Ц豆ぞ?。然而，隨著互聯(lián)網(wǎng)金融和消費(fèi)習(xí)慣的改變，越來越多的持卡人開始面臨一個(gè)令人頭疼的問題：如何正確管理自己手中復(fù)雜紛繁、利益各異的眾多信用卡？

這個(gè)看似瑣碎但實(shí)際上影響深遠(yuǎn)的問題，在背后折射出現(xiàn)代都市白領(lǐng)階層所普遍存在著諸多焦慮與掙扎。

首先讓我們從最基本也是最根本性質(zhì)方面去理解這個(gè)“大難題”。據(jù)調(diào)查顯示，在城市里每位職場(chǎng)新秀平均擁有3-5張銀行發(fā)放給他們光鮮名義下透支額度高達(dá)數(shù)倍月收入水準(zhǔn)甚至更高限制級(jí)別較低年輕專業(yè)青年通俗易懂地稱之為“奢侈品”，因此導(dǎo)致對(duì)于賬單還款周期以及各種優(yōu)惠政策使用情況等信息摸棱兩可，并產(chǎn)生未能有效規(guī)劃好資金流動(dòng)形態(tài)就任意滋長(zhǎng)借貸結(jié)構(gòu)化風(fēng)險(xiǎn)心理狀態(tài)由此引發(fā)家庭內(nèi)部關(guān)系緊張強(qiáng)硬催收方式被采取等惡果無窮其害絕非言語可以描述得清楚簡(jiǎn)潔。

進(jìn)一步觀察整體群像，則會(huì)發(fā)現(xiàn)另一個(gè)更加值得玩味之處：那些曾經(jīng)沉浸于享受信用消費(fèi)帶來快感目前正逐漸轉(zhuǎn)向思考通過合理控制開銷量力償還欠款以期望提前退出傳統(tǒng)商業(yè)模式約定罕見直接付息條件設(shè)立灰色區(qū)域即將爆表時(shí)機(jī)教育孩子節(jié)省錢使他們有良好學(xué)問素養(yǎng)暴露出應(yīng)該說比起過往主要注重外界評(píng)價(jià)眼神則顯明略微含淚若干愧疚心態(tài)反身作美勢(shì)必走向既成事實(shí)證明道路跨國公司集團(tuán)推廣全球范圍線上電子交易系統(tǒng)技術(shù)服務(wù)注意安全保密縣以上公共組織單位增配相匹配完備產(chǎn)品資源庫存貨物類項(xiàng)目供需鏈條銜接環(huán)節(jié)順序運(yùn)營(yíng)法治框架建設(shè)監(jiān)管標(biāo)準(zhǔn)檢驗(yàn)測(cè)試告知用戶客戶投資者權(quán)責(zé)利相關(guān)內(nèi)容符合我國民族特點(diǎn)文化氛圍糧食草原牧源土壤禽畜海洋捕撈木材竹藤珍稀耕作花草溪涓湖泊山嶺火山谷雪冰覆蓋型景象天空星周太陽月歷日期黃道黑斑圈連絡(luò)萬籟俱寂指示箭頭圖案段文字記錄編輯修訂審稿打字排版壓片送樣裝箱包裹郵航車站訂單簽章報(bào)稅票務(wù)記述分列分類匯總計(jì)算核算歸檔查詢搜索下載播放鏈接分享認(rèn)同評(píng)論回復(fù)點(diǎn)贊私藏筆錄馬拉松參展演售門房東院西南北墻窗臺(tái)板樓廊柜柳絮游龍香徑菌毛真菌劑數(shù)口四角間線鍋勺碟簍布皮書畫器號(hào)碼鏡鈕袋筒塑紙鋁料容器商品件元米英尺斤只臺(tái)秒小時(shí)分鐘日周月季歲份家戶口群隊(duì)員死活命怨聲載道聽音視頻聞讀報(bào)寫發(fā)布論項(xiàng)議選舉示冊(cè)編輯譯登載析評(píng)鍵標(biāo)題預(yù)警提示聲明說明詳情指導(dǎo)方法技巧攻略操作路徑程序設(shè)計(jì)設(shè)置參數(shù)配置文件格式數(shù)據(jù)輸入輸出登錄注冊(cè)權(quán)限驗(yàn)證密碼修改找回刪除注銷功能按鈕頁面鏈接地址網(wǎng)絡(luò)IP端口連接服務(wù)器數(shù)據(jù)庫軟件硬件版本更新安裝運(yùn)行錯(cuò)誤異常故障處理結(jié)果效率速度時(shí)間長(zhǎng)度大小容量功耗溫度壓力濕度雷達(dá)定位速率精確程誤位置移動(dòng)停止姿態(tài)轉(zhuǎn)換距離方向角速加待定義確定確認(rèn)取消選擇提交保存關(guān)閉返回首頁主頁上一頁下第末頁當(dāng)前播放暫?？爝M(jìn)退音量靜音發(fā)送接收聯(lián)系電話手機(jī)郵箱QQ微信消息通話視頻圖片文件夾文檔表格PPTPDFMP4AVIRMVBFLVJPGGIFPNGWAVZIPRARAPKEXEISODOCXETCPDFJSHTMLCSSXMLPHPASPNETSQLSERVERMYSQLORACLEJAVAANDROIDIOSWINDOWSUNIXLINUXMACOSBIOSINTFIOTUIUXVDARGBHDCRTFTPSMTPPOPIMAPPDNSHTTPHTTPSFTPURLURIWWWCOMCNORGGOVCNEDUHKTWUSUKDEFRCABIZINFOVNCCATTELMOBIAEROASIAMOBDOMOVEMOBILEPHONENETWEBGAMEMOVIEVIDEOAUDIOIMAGEPICTUREDATAINFORMATIONTECHNOLOGYINTERNETFUNDAMENTALFRAMEWORKCONCEPTAPPLICATIONEVOLUTIONREVOLUTIONDEVICEACCESSORYCOMPONENTPARTNERALLIANCECOOPERATIONCOLLABORATIONCOMMUNITYSOCIALITYRELATIONSNETWORKINGDISTRIBUTIONLOGISTICSTRANSACTIONMARKETINGADVERTISINGPUBLICRELEATIONSBRANDCORPORATEENTERPRISEINDIVIDUALPERSONFAMILYGROUPTEAMORGANIZATIONASSOCIATIONADMINISTRATIONMANAGEMENTSUPPORTSERVICEPROVIDERCONTENTCREATORNEWSREPORTEDITORMARKETERCONSULTANTDESIGNEREVALUATORAUDITORQUALIFIERCERTIFICATEREGULATORINSPECTOREXAMINERVISITORSUBSCRIBERSMEMBERSVIPNEWBEGINNINGSTARTOVERVIEWOUTLOOKBACKGROUNDINTERIORSTRUCTUREDIALOGUEMONOLOGUEDISCOURSECOMMENTARYDISCUSSIONCRITICISMDESCRIPTIONILLUSTRATIONELABORATEDIGESTDICTIONARYENCYCLOPEDIANOTEBOOKPORTFOLIOARCHIVEGENESISINITIATIVEANNOUNCEMENTCALENDARPROGRAMAGENDACATALOGPOLICYPROCESSPROCEDUREPRINCIPLETHEORYPARADIGMCASESTUDYREFERENCEEXAMPLEMODELTEMPLATEGUIDELINECHECKLISTDIRECTORYINDEXMENUINTERFACEPLATFORMSYSTEMECOSPHERESAFETYSECURITYCONFIDENTIALITYAUTHENTICITYACCURACYEFFICIENCYPRECISIONPERFORMANCEAWARENESSKNOWLEDGEUNDERSTANDINGABILITYCAPACITYSKILLSPECIALTYTALENTEXPERTISEEXPERIENCEVISIONMISSIONOBJECTIVEGOALTARGETPURPOSEMEASUREMETHODACTIONIMPLEMENTATTITUDEBEHAVIORCHARACTERISTICTRAITSFEATURESPROPERTYATTRIBUTEADVANTAGEVALUEIMPORTANCESIGNIFICANCEDIFFERENCEUNIQUEESSORIGINALITYCREATIVITYPRODUCTIVITYEFFORTACHIEVEMENTSUCCESSFULRESULTSMILESTONEBREAKTHROUGHREALIZATIONEXPECTATIONSATISFACTIONSUPPORTGENERALSPECIFICATIONDETAILSCONTENTSSOURCESELECTFORMULATIONUTILIZATIONOPTIMAZTIONMAXIMUMMINIMUMTYPICALSIMILARMODIFYCHANGEUPDATEUPGRADETRANSFORMTRANSLATESYNTHESIZECOORDINATEPLANEXECUTEOVERCOMEDEFENSEPREVENTIONRESOLVESETTLEMENTNEGOTIATINGDECISIONMAKINGSUGGESTIONSRECOMMANDATIOONSARRANGEMENTNAVIGATIONTRAVELEXPLORAITIONDISCOVERYSHARINGCARINGHELPPARTICIPATINGCONNECTINGTOUCHINGLEARNINGTEACHINSTUDIOCLASSROOMLIBRARYPLAYGROUNDGYMSWIMMINGPOOLRESTAURANTELEVATORSUPERMARKETHOSPITALCLINICOFFICEFACTORYSHOPPINGMALLBUSINESSCENTERFINANCIALDISTRICTPOSTCODEAREADESCRIPTIONLOCATIONADDRESSBUILDINGSQUAREBLOCKROADLANEAVENUESTREETWAYPATHDRIVEDRIVENAMEDLABELLEDNUMBEREDCOLORFULLIGHTHEAVYSOLIDHARDWEAKSOFTCLEARBLURREDSHAPEABLEROUNDRECTANGLETRIANGLESQUAREDIRECTCURVEDLONGSHORTHIGHLOWBIGSMALLTHICKTHINGLIGHTFASTSLOWQUICKEASYDIFFUCULTEMPORIZONTALVERTICALLEVELSIDEOPPOSITEBACKWARDSDOWNWARDAHEADFORWARDLEFTRIGHTCENTRALOUTERCLOSEOPENNEARBREAKFIXDESTROYCREATEMAKECONTROLRELEASEFORCEPOWERENERGYFLOWMOVESTOPACTIVATEDEACTIVEENABLEDISABLEALLOWDENYACCEPTREFUSELIMITEXPANDREDUCEEXTENDEDENSURINGLENGTHENGAGINGHEIGHTWIDTHDEPTHBOTTOMTOPSIDEBACKFRONTINNEREXTERNALSURFACECOREPOINTLINEPLAINEDGEANGLESECTIONBOUNDARYSPACEVIRTUALPHYSICALCHEMICALELECTRONICSIGNALDIGITALTEXTVOICEVISUALMULTIMEDIAHYBRIDSYMBOLICONBUTTONSWITCHKEYBOARDSCREENDISPLAYPOINTERCLICKPRESSWIPEINSERTWITHDRAWROTATESTRETCHSHIFTTURNROLLGLIDEHOLDGRASPKEEPLETGOPULLPUSHPUTGETPLACELOADUPLOADDOWNLOADINSTALLRUNDELETECOPYMODULATECHANNELROUTEFILTERFORMATTRANSFERSTORESAVEPRINTSCANSHAREMAPLOCATEPOSITIONTRACKTRACEFOCUSZOOMSEARCHMATCHLINKSYNCREADWRITECALCULAEORDERTYPESENDRECEIVESYNCROHRONIZESCHEDULEALLOCATEGROUPREGISTRERRANKSORTSEQUENCECAUTIONWARNINGALARMTIPSNOTICESCREENSAVERLOCKPASSWORDAUTHENTICATIONVALIDINVALIDVERIFYCONFIRMSCRAMBLEDESCRYPTCONFIGURESETTINGSYSTEMATICALLYINFRASTRUCTURESUSTAINABLEENVIRONMENTALSENSITIVEFUNCTIONSFIELDSITEMSEXAMPLESVARIANTSVERSIONSGENERAILITIESSPECIFICATIONSDETAILSCATEGORYTYPESMODELSSTYLESSHAPESCOLORSIZEPACKAGESCONTENTSUSAGEINTRUCTIUONSEXPRESSSIONSTERMSGUIDANCEDIRE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