用卡觀念 - 信用卡
By Hedda
at 2012-08-19T20:19
at 2012-08-19T20:19
Table of Contents
不好意思
不知道這個話題能不能po在本版
不行小弟我會馬上刪文
============================
小弟的女朋友在很早之前就辦了張信用卡
那時我自己本身還沒有
所以不太了解信用卡的一些用法及觀念
直到最近我也有了自己的信用卡
當然爬了本版許多文章我也學到很多
全額繳清
並且不動用到循環利息
這是我覺得使用信用卡一個很重要的觀念
我一直很想把這樣的觀念告訴我女朋友
她的未繳大概還有20000多塊
每個月利息大概200~400不等
雖然她最近每個月會多還(5000不等)
但還是難免會使用信用卡消費
所以一直都沒有繳清
但她的存款是足夠可以去付清
但這跟她的家庭背景有些關係
她希望自己能有多一點現金以備自己或家裡需要
所以認為信用卡雖然動用到循環利息
卻可以讓自己手上有更多現金
對於這點我就沒有在多說什麼
直到最近
我們要在網路上刷卡購買演唱會的門票(雖然最後還是付現了)
這次我很堅持如果是用刷卡那就是把它繳清
她就很不能接受 她不希望一次花這麼多錢
希望一樣每個月5000不等的還
就這樣我們在觀念不太一樣的狀態下有爭執
確實我也了解她的壓力
手上有更多現金她才會更有安全感
但用卡的觀念她確一點也不能接受
我到底要怎麼樣告訴她
還是我的堅持也有討論的空間
--
不知道這個話題能不能po在本版
不行小弟我會馬上刪文
============================
小弟的女朋友在很早之前就辦了張信用卡
那時我自己本身還沒有
所以不太了解信用卡的一些用法及觀念
直到最近我也有了自己的信用卡
當然爬了本版許多文章我也學到很多
全額繳清
並且不動用到循環利息
這是我覺得使用信用卡一個很重要的觀念
我一直很想把這樣的觀念告訴我女朋友
她的未繳大概還有20000多塊
每個月利息大概200~400不等
雖然她最近每個月會多還(5000不等)
但還是難免會使用信用卡消費
所以一直都沒有繳清
但她的存款是足夠可以去付清
但這跟她的家庭背景有些關係
她希望自己能有多一點現金以備自己或家裡需要
所以認為信用卡雖然動用到循環利息
卻可以讓自己手上有更多現金
對於這點我就沒有在多說什麼
直到最近
我們要在網路上刷卡購買演唱會的門票(雖然最後還是付現了)
這次我很堅持如果是用刷卡那就是把它繳清
她就很不能接受 她不希望一次花這麼多錢
希望一樣每個月5000不等的還
就這樣我們在觀念不太一樣的狀態下有爭執
確實我也了解她的壓力
手上有更多現金她才會更有安全感
但用卡的觀念她確一點也不能接受
我到底要怎麼樣告訴她
還是我的堅持也有討論的空間
--
Tags:
信用卡
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