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  • When you begin this journey, you're going to have so many people telling you that it's just not possible to live without debt, and especially without a credit card.

    當你說你要戒掉信用卡時,一定會有很多人告訴你這世界上沒有人不欠債,也沒有人不用信用卡。

  • Friends are going to tell you that.

    朋友會這樣告訴你。

  • Family's going to tell you that.

    家人會這樣告訴你。

  • Commercials are going to tell you that.

    連廣告都會告訴你不可能。

  • But let me give you some truth about credit cards.

    但讓我告訴你一些關於信用卡的殘酷事實。

  • There are currently 459 million credit cards in circulation today.

    目前有約 4 億 5 千 9 百萬張的信用卡在美國市面上流通。

  • And only 327 million people living in America!

    但美國人口實際上只有 3 億 2 千 7 百萬!

  • That's like 132 million extra cards that are not assigned to a person, but they're floating around.

    也就是說有 1 億 3 千 2 百萬張額外的無主信用卡在市面上某處流通著。

  • But they are assigned to people, because the average person carries four credit cards.

    但它們其實是屬於某些人的,因為平均來說每個人有 4 張信用卡。

  • 68% of people who use their credit cards said they use it on things that they need.

    68% 信用卡持有者說他們之所以使用信用卡,是為了要買「 需要」的東西。

  • But the most common type of credit card are the ones they sell you at retail stores.

    但他們最常拿的信用卡,是店員在零售店推銷給你的那種。

  • Yes, 41% of people have store specific credit cards.

    沒錯,41% 的人擁有零售商聯名卡。

  • And last I checked, not many emergencies can happen where J.Crew swoops in and solves your problems.

    而就我目前所知,沒有什麼「緊急需求」是 J.Crew (美國服飾零售商) 應付不了的。

  • Maybe a fashion emergency, but no other emergency.

    除了時尚方面的緊急需求以外,大家應該沒什麼緊急需求了。

  • Store credit cards, actually you guys, they are the worst you can get.

    各位,其實零售商聯名卡是最糟糕的信用卡選擇。

  • Their interest rates are nearly double of traditional credit cards.

    它們的利率幾乎是傳統信用卡的兩倍。

  • So let's just assume that you accumulate $1,000 of debt on a store credit card.

    假設你使用某間店家的聯名信用卡並積欠了 1000 美元的債務。

  • This is actually way lower of a balance than the average American, but it's just a nice round number.

    這個數字其實遠比美國人平均欠的金額還低,但為了讓你更好了解,我決定用這個整數舉例。

  • I'm going to give you the benefit of the doubt.

    我暫且相信你會固定還款。

  • And let's say you pay two times the minimum payment every month on your balance.

    假設你每個月的還款金額是最低還款金額的兩倍。

  • For a store credit card with a 25% interest rate, it's going to take you 27 months and cost you $307 in interest to pay off that balance.

    以一個利率為 25 % 的聯名卡來說,你需要 27 個月,以及 307 美元的額外利息才能還完整筆欠款。

  • So let's say you signed up for that credit card when they said, "Would you like to save 15% on your purchase today?"

    還記得信用卡業務人員在你辦卡的時候跟你說:「你有沒有興趣為自己今天的消費金額省下 15% 呢?」

  • And you said, "Yes!"

    而你說:「當然。」

  • And let's assume that you spent that whole $1,000 we talked about earlier when you signed up for that store credit card.

    然後我們假設你辦信用卡後,花了我們前面說的整整 1000 美元。

  • Which is pretty unlikely, but let's just say you did.

    雖然不太可能,但我們就假設你這麼做了。

  • That 15% saves you $150.

    15% 的信用卡優惠幫你省下 150 美元。

  • But you end up spending $307 in interest.

    但你卻多負擔了 307 美元的利息。

  • Guys, let it sink in.

    各位,花點時間想想。

  • It's just math, people.

    這是數字遊戲啊!

  • And then you look at the facts and the profits from places like Macy's.

    看看 Macy's 百貨類業者的利潤。

  • Macy's credit cards make up nearly 40% of their businesses.

    Macy's 百貨通過聯名信用卡的所賺進的利潤幾乎佔了他們整個事業體的 40%。

  • And stores like Kohl's and Macy's, they actually pay their employees for each credit card application they get.

    像 Kohl's 和 Macy's 這種商家,他們的員工每成功推銷一張聯名信用卡就會獲得獎金。

  • It doesn't even matter if the application is approved.

    信用卡的申辦有沒有被批准無所謂。

  • But the employees get a commission for just getting someone to sign up for a credit card.

    只要能說服消費者辦卡就能抱走獎金。

  • And some stores even threaten to take away hours from employees who are not signing up enough people for credit cards.

    有些店家甚至會用扣薪水作為威脅,要求員工強力推銷自家聯名信用卡。

  • It's a huge problem.

    這是一個很嚴重的問題。

  • And you guys, I know a lot of people who sign up for credit cards with really good intentions.

    各位,我知道有很多人申辦信用卡的動機是好的。

  • They do it for the points, because they think they can pay it off every month, but it's just not the reality.

    他們辦卡是為了積分,他們相信自己可以每個月結清欠款,但事實並非如此。

  • Only 45% of people pay off their credit card balances every month.

    只有 45% 的人真正結清每個月的信用卡欠款。

  • And there's $784 billion in outstanding credit card debt out there.

    目前,還有高達 7 千 840 億美元的信用卡債還沒被償還。

  • Half of Americans are not paying off their credit card bill.

    50% 左右的美國人無法結清他們的卡債。

  • So the bottom line is: credit cards are not going to help you build wealth.

    總而言之:信用卡對你累積財富並無幫助。

  • They're actually going to steal it.

    反而會偷走你的財富。

  • Because again, I said it earlier, at the top of this episode, but it's true.

    事實就是我在片頭說的。

  • So many people say, "Well, I'm going to get a credit card to build my credit, so that I can buy a house."

    很多人說:「我要通過辦信用卡來向銀行證明我的信用,方便日後申請房屋貸款。」

  • But you actually don't need a credit score to buy a house.

    但其實買房子未必需要信用評級。

  • It is possible.

    這是有可能的。

When you begin this journey, you're going to have so many people telling you that it's just not possible to live without debt, and especially without a credit card.

當你說你要戒掉信用卡時,一定會有很多人告訴你這世界上沒有人不欠債,也沒有人不用信用卡。

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影片操作 你可以在這邊進行「影片」的調整,以及「字幕」的顯示

A2 初級 中文 美國腔 信用卡 金額 美元 零售商 假設 緊急

魔鬼藏在信用卡裡!你還覺得刷信用卡很划算嗎? (The Truth About Credit Cards That No One Is Telling You)

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    Lian 發佈於 2019 年 11 月 27 日
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