Cov neeg Asmeskas tab tom cuam tshuam nrog kev nce nqi los ntawm kev tig mus rau credit.
Lawv tsis yog tsuas yog khaws cov nyiaj tshuav ntau dua ntawm lawv daim npav rho nyiaj raws li kev nce nyiaj nce siab thiab nce cov paj laum ntaus hauv tsev txhab nyiaj, txawm li cas los xij. Ib txoj kev tshawb fawb tshaj tawm hnub Tuesday los ntawm Tsoom Fwv Teb Chaws Reserve Bank ntawm New York's Center for Microeconomic Data qhia tau hais tias 13% nce xyoo dhau ib xyoo hauv daim npav rho nyiaj. Qhov ntawd yog qhov dhia loj tshaj plaws hauv 20 xyoo, txij li xyoo 2002.
Cov nuj nqis credit card sawv ntawm $ 890 billion thaum kawg ntawm lub quarter thib ob, raws li daim ntawv tshaj tawm peb lub hlis twg ntawm cov nuj nqis hauv tsev thiab credit. Thaum cov credit card tshuav nyiaj li cas feem ntau nce thaum lub quarter thib ob, qhov nce $ 46 billion ua rau lub quarter thib ob yog ib qho kev dhia siab tshaj plaws ntawm cov ntaub ntawv txij li xyoo 1999. Lub sijhawm kawg ntawm tag nrho cov credit card tshuav nyiaj li cas siab yog thawj peb lub hlis twg ntawm 2020.
"Cov neeg Amelikas tau qiv ntau dua, tab sis ib feem loj ntawm kev qiv nyiaj nce ntxiv yog vim muaj tus nqi siab dua," New York Fed cov kws tshawb fawb tau sau hnub Tuesday. Tsis tsuas yog qhov nyiaj tshuav tau nce, cov kws tshawb fawb tau sau tseg, tab sis tus lej ntawm daim npav rho nyiaj tshiab tau nce ib yam nkaus.
Saib daim ntawv qhia sib tham sib ntawm Fortune.com
Cov tsev qiv ntawv, qiv nyiaj pib, daim npav muag khoom, thiab lwm yam qiv nyiaj kuj tau nce ntawm qhov nrawm nrawm. Nyob rau hauv tag nrho, cov nuj nqis uas tsis yog tsev loj hlob los ntawm $ 103 nphom hauv lub quarter thib ob, qhov loj tshaj plaws tau sau tseg los ntawm New York Fed txij li xyoo 2016.
Zuag qhia tag nrho, Asmeskas cov nuj nqis tag nrho hauv tsev tau nce 2% rau $ 16.15 trillion nyob rau lub quarter thib ob, raws li New York Fed. Qhov ntawd ua rau muaj qhov sib npaug li $ 2 trillion ntau dua li qhov kawg ntawm 2019, ua ntej pib muaj kev sib kis.
"Lub quarter thib ob ntawm 2022 tau pom tias muaj kev nce nqi hauv tsev qiv nyiaj, qiv tsheb, thiab credit card tshuav nyiaj li cas, tau ua ib feem los ntawm kev nce nqi," Joelle Scally, tus thawj coj ntawm lub chaw rau microeconomic cov ntaub ntawv ntawm New York Fed, tau hais hauv nqe lus Tuesday. "Txawm hais tias daim ntawv tshuav nyiaj li cas hauv tsev tag nrho zoo nkaus li nyob rau hauv txoj haujlwm muaj zog, peb tab tom pom muaj kev poob qis ntawm cov neeg qiv nyiaj qis thiab cov nyiaj tau los qis nrog cov nqi nce mus txog theem ua ntej muaj kev sib kis."
Nws tsis yog qhov xav tsis thoob tias cov neeg Amelikas tau piling ntawm cov nuj nqis tom qab kev nce nqi - uas ntaus 9.1% nyob rau lub Rau Hli— lub Tsoom Fwv Teb Chaws Reserve cov paj laum hikes. Lub lim tiam dhau los, Fed tau nce benchmark paj laum los ntawm lwm 0.75% nyob rau hauv kev siv zog los tswj kev nce nqi siab tam sim no, tab sis qhov ntawd kuj txhais tau tias cov nuj nqis yuav them ntau dua.
Cov cua ntsawj ntshab kev lag luam no ua rau cov neeg hluas thiab cov neeg tau nyiaj tsawg dua cov neeg Amelikas nyuaj dua. Gen Z cov credit card tshuav nyiaj li cas (cov hnub nyoog qis dua 25 xyoos) nce 30% thaum lub quarter thib ob, raws li VantageScore cov ntaub ntawv qhia los ntawm Reuters. Cov neeg uas tsis tshua muaj credit kuj pom qhov kev dhia loj hauv kev siv credit, nrog rau qhov sib npaug li 25% rau cov qhab nia qis dua 660 (xws li "kev ncaj ncees" qhab nia credit thiab qis dua qhov nruab nrab).
Txawm li cas los xij, tsis ntev los no, tsis muaj ntau tus neeg Asmeskas tau ua txhaum cai ntawm cov nuj nqis nce ntxiv. Delinquencies tau nce siab me ntsis rau cov nuj nqis hauv tsev thaum lub quarter thib ob thiab tseem muaj keeb kwm qis, raws li New York Fed.
Qhov ntawd tsis yog qhov xav tsis thoob vim tias Asmeskas cov nyiaj txiag muaj txiaj ntsig zoo. Yog lawm, ntau tus tab tom tawm tsam keeb kwm kev nce nqi thiab nce cov paj laum, tab sis cov neeg siv khoom feem ntau tsis ua raws li credit vim tias yam khoom kim dua, hais tias Richard Ramsden, tus thawj coj ntawm pab pawg nyiaj txiag hauv Goldman Sachs 'kev tshawb fawb thoob ntiaj teb kev nqis peev.
Feem ntau, cov nqi siab dua txhais tau tias cov neeg siv khoom pib hloov pauv yam lawv yuav, tsiv tawm ntawm "zoo kom muaj" cov khoom mus rau "yuav tsum muaj" hauv paus, Ramsden hais. "Feem ntau cov neeg siv khoom tsis raug cai thaum lawv poob lawv txoj haujlwm thiab lawv tsis tuaj yeem rov ua haujlwm dua. Thiab tam sim no, pom tseeb, peb tau txais kev lag luam nruj heev, "Ramsden hais.
"Rau peb kom pom cov neeg siv khoom lag luam dav dav, koj yuav tsum pom cov neeg poob haujlwm tuaj tos thiab koj yuav tsum pom kev lag luam ua haujlwm tsis muaj zog thiab qhov ntawd yog qhov tseeb, tsis yog qee yam uas peb xav tias tsawg kawg yuav tshwm sim ntawm qhov sib npaug ntawm xyoo no, ”Ramsden hais.
Zaj dab neeg no yog thaum chiv keeb los Fortune.com
Tau qhov twg los: https://finance.yahoo.com/news/americans-putting-inflation-credit-card-150000636.html