Chapter 621 Credit Card

Yamada Mirai had followed Masayoshi Kishimoto for many years, and as his head of the secretary’s office, she naturally knew that he would not ask questions aimlessly.

She thought and thought before she answered in a serious manner, “The good thing about credit cards is that you don’t need to carry a large amount of cash inside your wallet at all times.

It’s especially convenient when it comes to shopping. The difference between us women and you men is that we don’t shop with a clear purpose.

This is once you come across an item that you are excited about you will just buy it. On the other hand, no, you can shop for a day and not buy anything at all.

You men all tend to buy things with a clear purpose, running straight to it, not aimlessly going shopping as a way to amuse or kill free time.”

Justice Kishimoto nodded his head in a kind of agreement. Indeed, men and women were really like that when it came to shopping.

When a pair of male and female friends or a couple went shopping, women’s physical strength was unexpectedly always better than men’s. Within half a day of shopping, the men are generally tired and one is listless.

One of the things they hate to do is to accompany their girlfriends or wives to go shopping, while women will appear more and more happy shopping, and even show the state of exuberance.

Men can’t understand that women will be happy even if they don’t buy anything and go shopping for a day. Just as women can’t understand why men are happy to stay home and play games alone, they can’t understand why men are happy to stay home and play games alone.

“Credit cards can also provide you with one of the best solutions when you are in dire need of money. It’s not good to borrow money either from your acquaintances or from those regular microfinance companies out there.

In the former case, even if the other person does not want to pay interest, it is still too much for you to face, and it is difficult to talk about it. If said, but also by the other party politely refused, quite embarrassing.

If the other party’s mouth is broken, turn their backs and say it, then they will be added to the label of no money. In the latter case, the interest rate is on the high side. However, this kind of borrowing method is often used by the salaried people.

For example, get together, drink …… a moment in the hands of no money, the distance from the payday there is one, two weeks, etc., in order to maintain the necessary interpersonal relationships, the inevitable thing.

If you go on the same day, you will usually be able to get the money right away. Although the amount is not large, but solves the urgent need, maintain their face.

Credit cards are much more convenient than these, as they can be used to settle payments directly or to withdraw cash. As long as the amount owed on the card is replaced on time, no interest will be charged.

Of course, when you withdraw cash directly, naturally you will be charged a handling fee. In my opinion, it is the bank side deliberately left such a method.

When a bank pays off the credit card debts of another bank, why can they not swipe the cards of each other directly, but can only repay in the form of cash?

Otherwise, how can they make profits? Lend you money without any interest and with all sorts of promotions and so on for nothing? It doesn’t make sense.

They are not philanthropists. The downside is that not everyone is rational in their desires and self-control.

Credit cards can give people the misconception that a credit line is like a deposit.” Yamada Mirai spoke eloquently.

Masayoshi Kishimoto patiently listened to her. He also knew that there was a saying about credit cards, that when you swipe it, it’s a hoot. When you pay it back, it’s like a crematorium.

Once it’s due and you can’t pay it back at once, you can still pay it off in installments. The interest rate on this installment is even higher. It is also a favorite on the part of the banks.

Credit card this one thing was invented, there is indeed a good side, and not to be demonized as gambling with youth for tomorrow.

It all depends on what kind of people it is in the hands of. Most people, especially the young, lack the necessary rationality and are taken over by emotions and impulses.

The credit card crisis that is about to erupt in Korea. A good portion of the population can’t pay off their credit card debts, and in a way, it is justifiable.

Someone who took out a thirty-year loan to buy a house is unable to pay the mortgage because he or she is unemployed. So the instinctive first reaction would not be to sell the house.

For one thing, it’s not a good idea to talk to the rest of the family, and for another, if you sell your house, you’ll still have to rent it, so it’s impossible to live in it. Therefore, it is natural to think of using credit card money to pay off the mortgage.

In developed capitalist countries, it is not easy for children from ordinary families to go to university, after all, it is genuinely expensive.

Someone studying at the university level needs to pay tuition fees and all that. In the event you can’t, you will also need to use a credit card. The idea is to pay it off slowly in the future.

When someone is graduating and needs to buy a suit for a job interview, he or she has to use a credit card. In Korea, Japan, and other countries, it is common to honor a person’s appearance before his or her appearance.

In Korea, a person’s looks are really important. What is indisputable is that good-looking people, both men and women, will be treated better or have better chances of admission than ugly-looking people. This cost of plastic surgery is not available and has to come from the top of the credit card.

On top of that, there are too many various kinds of helplessness bound by reality. Your own circle of friends have bought the most popular shoes, bags ……

You do not have, will inevitably suffer from ostracism, after all, is that we do not have a common language. So, under the compulsion of reality, had to use credit cards.

Follow the crowd, people around you are using credit cards, then they have to follow along. Otherwise, you look like an alien.

The personal credit card usage rate in Korea is 69%. If you subtract 18-year-old minors, the rate is even higher, and it’s not an exaggeration to say that everyone has a credit card.

Just like China in the latter days, everyone is using smartphones. Payment is either through Alipay or WeChat. If you don’t use a smartphone and have to prefer cash, you are bound to be seen as an alien.

Your friends around you will say to you with such an accent that nowadays, even old men and old women can use smartphones, can use Alipay and WeChat.

At this time, Sato Hidetaka knocked on the door and walked in. He said in a serious manner, “Chairman, lunch is ready.”

“For lunch, we will no longer use it inside this hotel. You and Yamada Mirai will follow me out to eat. Just the three of us, don’t let anyone else follow.

By the way, Sato, you take us right to the favorite dining place where ordinary citizens gather in Seoul, Korea.” Masayoshi Kishimoto was going to personally conduct a field trip Dao.

“For the sake of your safety, Chairman, I suggest that you stay and dine within this one hotel.” Satou Hidetaka did not immediately agree saying.

“You’re overly concerned. That scene at the airport protesting against me should have had someone behind the scenes as a pusher and conductor. Otherwise, how could they be so aware of things like my schedule.

Ordinary Korean people are busy raising their families, where they still have so much free time to do such boring things.” Justice Kishimoto laughed and said.