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枫下茶话 / 政治经济 / 是不是以后信用卡都要收年费或者没reward了?NDP要把信用卡的利息限制在P+5%。目前似乎此类信用卡好像要么得收年费,要么就没reward。刷卡消费没啥意思了。
-lionel(Lionel);
2011-4-29
(#6648174@0)
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don't know the every detail, but it seems that is NDP wants. they may have good intention, but it would still be a stupid policy. again, it gonna hurt middle class and make it difficult for ordinary people to access credit when really needed
-barbarian(粗人);
2011-4-29
(#6648480@0)
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估计大家还是会持有信用卡,但积分或返钱可能就拿不到了。信用卡消费可能也会减少。
-lionel(Lionel);
2011-4-29
(#6648579@0)
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also, credit card company may be reluctant to issue credit card to certain group of people since the risk/return is not there any more. those group may happen to be the group NDP claiming to protect. well, actually it may be a good thing for ecomony.. :)
-barbarian(粗人);
2011-4-29
(#6648635@0)
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我曾经设想限制信用卡使用,你看是不是这个理。信用卡对物价上涨起了很大作用。一件商品,没有考虑信用卡的收费,可能卖100块,考虑信用卡的收费得卖120。你用信用卡就是信用卡公司赚,你不用信用卡这多出的20块就被商家赚了。信用卡公司就靠那一点点返回,激励着大量使用。
-x888(里程彭);
2011-4-29
(#6648514@0)
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一般visa,mastercard信用卡向商家的收费大约是2%-3%,而不是你理解的20%。信用卡促进了消费市场,尤其是互联网上的消费,因此降低了交易成本。另外NDP主要是要限制信用卡的利息这部分,与你说的向商家收费没有直接的关系。
-lionel(Lionel);
2011-4-29
(#6648570@0)
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羊毛出在牛身上?
-fromwuhanwuhan(winter);
2011-5-1
(#6650710@0)
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也可以这么说。
-f071226(f);
2011-5-1
(#6650723@0)
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信用卡所带来的不是零和游戏,而是提高了金融效率,降低了交易成本的金融产品。不存在剪羊毛的问题。
-lionel(Lionel);
2011-5-1
(#6650725@0)