Yuav luag ib nrab ntawm tag nrho cov neeg siv daim npav rho nyiaj hais tias lawv nqa cov nuj nqis txhua lub hlis - thiab 60% ntawm cov neeg muaj nuj nqis credit card tau tshuav nyiaj tsawg kawg ib xyoos, raws li ib tug daim ntawv qhia tshiab los ntawm Bankrate's CreditCards.com.
thaum credit-card tshuav nyiaj poob qis thaum lub sijhawm muaj kev sib kis, tsav nyob rau hauv ib feem ntawm a poob hauv credit-card muas nyob rau hauv cov hnub ua ntej ntawm COVID-19 thiab cov tshuaj ntsuam xyuas uas pab tib neeg them nyiaj nqes lawv cov nuj nqis, cov hnub ntawd zoo lawm. Tam sim no, cov neeg siv khoom raug tso tseg los tiv thaiv kev nce nqi siab tshaj hauv 40 xyoo. 2022 lub quarter thib ob tau pom qhov loj tshaj plaws ntawm cov credit-card tshuav nyiaj li cas hauv ntau dua 20 xyoo thaum piv rau xyoo dhau los, cov kws tshawb fawb los ntawm Tsoom Fwv Teb Chaws Reserve Bank ntawm New York tau hais lub hli tas los.
Nyob rau tib lub sijhawm, nws tau dhau los ua pricier los nqa credit-card nuj nqis. Raws li Tsoom Fwv Teb Chaws Reserve nce nws cov nqi paj laum los tuav tus nqi nce, qhov feem pua ntawm txhua xyoo (APR) ntawm daim npav rho nyiaj tshiab yog nce mus rau qhov siab tsis pom nyob rau hauv kaum xyoo.
"Txawm hais tias Asmeskas cov credit card tag nrho poob qis 4% txij li xyoo 2019, raws li New York Fed, peb cov ntaub ntawv yog cov pov thawj ntxiv ntawm K-zoo li kev lag luam," Ted Rossman, tus kws tshuaj ntsuam xyuas kev lag luam loj ntawm Bankrate, tau hais hauv ib tsab ntawv. nqe lus. "Thaum ntau tus neeg ua tau zoo dua, tu siab, ntau tus neeg ua phem dua."
"'Kuv xav tias nws qhia tau hais tias kev nce nqi siab npaum li cas thiab cov paj laum ntau dua ua rau cov nuj nqis credit card mus rau qhov teeb meem tseem ceeb dua.'"
Daim ntawv tshaj tawm CreditCards.com tau siv cov ntaub ntawv los ntawm kev tshaj tawm YouGov online kev tshawb fawb, uas tau soj ntsuam cov qauv ntawm 2,419 tus neeg laus, suav nrog 1,834 tus neeg tuav daim npav rho nyiaj, txij Lub Yim Hli 24 txog Lub Yim Hli 26. Nws pom tias ib xyoo dhau los, 50% ntawm cov neeg muaj cov nuj nqis tau nyob rau hauv liab rau tsawg kawg ib xyoos, piv rau 60% hnub no. Hauv 2020 thiab 2019, lub sijhawm no, 56% ntawm cov neeg muaj nuj nqis credit card tau tshuav nyiaj tsawg kawg ib xyoos, Rossman hais rau MarketWatch hauv email.
"Kuv xav tias 50% daim duab los ntawm xyoo tas los yog qhov qis qis vim tias muaj coob tus neeg tau them cov nuj nqis credit card thaum muaj kev sib kis (nrog cov nyiaj txhawb zog, vim tias lawv tau siv nyiaj tsawg rau kev mus ncig thiab kev lom zem, thiab lwm yam). Tab sis tam sim no nws yog 60% - qhov siab tshaj plaws ntawm plaub lub xyoos, "Rossman tau hais hauv email. "Kuv xav tias nws qhia tau tias kev nce nqi siab npaum li cas thiab cov paj laum siab dua ua rau cov credit card nuj nqis rau hauv qhov teeb meem tseem ceeb dua. Thiab thaum peb ua tsaug uas tus kabmob kis tau zoo dua thiab ntau tus neeg taug kev thiab noj mov tawm, cov nuj nqis no tuaj yeem tsim kev kub ntxhov ib yam. "
Rossman cov lus qhia rau cov neeg tawm tsam nrog cov nuj nqis qiv nyiaj yog kom tau txais 0% daim npav rho nyiaj, uas tuaj yeem tuaj nrog kev txhawb nqa uas ncua "lub paj paj mus txog 21 lub hlis." Rossman tau hais tias "yuav ua tau zoo kawg nkaus rau kev tawm ntawm cov nuj nqis sai sai thaum txuag ntau pua, tej zaum ntau txhiab nyiaj hauv paj."
Cov neeg thoob plaws cov nyiaj khwv tau los tau hnov qhov mob ntawm daim npav rho nyiaj, daim ntawv tshaj tawm qhia. Tsib caug cuaj feem pua ntawm cov neeg tuav daim npav tau txais $ 50,000 lossis tsawg dua hauv tsev neeg cov nyiaj tau los txhua xyoo tuav cov nuj nqis credit card, thaum ze li ib nrab ntawm cov neeg khwv tau txog $ 99,999 txhua xyoo tau zoo ib yam li liab, raws li tsab ntawv ceeb toom. Txawm tias 37% ntawm cov neeg tuav daim npav nrog tsev neeg cov nyiaj tau los siab dua $ 100,000 nqa cov nyiaj tshuav ntawm ib hlis mus rau ib hlis, tsab ntawv ceeb toom tau hais.
Yuav luag ib nrab ntawm cov nuj nqis tau hais tias cov nuj nqis xwm txheej ceev - xws li them rau daim nqi kho mob uas tsis xav txog, kho tsev lossis kho tsheb - tau ua rau lawv qhov nyiaj tshuav ntau dua, raws li tsab ntawv ceeb toom. Tab sis kev nyuaj siab, yuav luag ib feem peb ntawm cov credit-card cov nuj nqis hais tias lawv qhov teeb meem yog nrog cov nuj nqis ib hnub dhau ib hnub, xws li khoom noj khoom haus thiab kev saib xyuas menyuam yaus. Thiab qhov teeb meem ntawd yog qhov mob hnyav tshaj plaws rau ntau txhiab xyoo.
"Peb caug-ib feem pua ntawm cov xyoo txhiab nrog cov nuj nqis qiv nyiaj tau hais tias lawv cov nuj nqis ib hnub yog qhov tseem ceeb ntawm lawv cov nuj nqis credit card, tom qab 26 feem pua ntawm Gen Zers, 24 feem pua ntawm Gen Xers, thiab 20 feem pua ntawm cov neeg tawg rog," tsab ntawv ceeb toom hais tias.
Tau qhov twg los: https://www.marketwatch.com/story/with-high-inflation-and-interest-rate-hikes-6-in-10-credit-card-debt-holders-say-theyve-owed-money- rau-tsawg-ib-xyoo-11663598134?siteid=yhoof2&yptr=yahoo