Ntsiab lus tseem ceeb:
- Tau muaj ib cov kev teeb txheeb tshiab qhia tias muaj neeg Australia coob tshaj 1 million tus tsis muaj peev xwm them tej nuj nqe siv credit card raws cij tsim nyog them txij tsaib no lub 10 hli ntuj los lawm.
- 6 feem pua ntawm tej neeg Australia yeej siv credit cards los them tej nqe ntau yam txhua hnub thiab muaj 5 feem pua ntawm cov kev siv ces yog siv coj los them lawv tej nuj nqes uas xub muaj dhau los.
- Cov kev pheej tos siv cov credit cards no tej zaum yuav ua rau muaj teeb meem thaum yuav tau rov qab them tej peev rov qab nrog rau tej paj uas raug tsub rau yus them thiab yuav ua rau muaj teeb meem rau yus cov credit scores.
Amid inflation, and cost of living struggles, millions of Australians are unable to make credit card repayments, according to new research.
Yeej muaj neeg Australia ntau tshaj ib nrab ces tsuas yog cov uas tsuas tau siv nyiaj txaus coj los siv kom sib cuag ncua mus txog rau thaum tau cov nyiaj tshiab coj los siv xwb, , thiab yeej muaj tej neeg Australia ntau tshaj 60 feem pua uas txom nyem nyiaj txiaj siv yeej qhia tias yuav ua rau lawv nrhiav tsis tau zaub mov ruaj noj ntau dua tej neeg uas tseem tau nyiaj txaus siv.
Thiab kuj muaj txhua txhua ib tug ntawm yim tus neeg twg uas siv cov credit cards ces yeej tsis muaj peev xwm them tej nqe siv credit cards rau lub sij hawm 3 hlis dhau los, raws li lub tuam txhab Finders tsab ntawv cej luam Credit Card Report xyoo 2024 qhia, thiab yeej muaj 13 feem pua yog tej tsis muaj peev xwm yuav them tej nqe siv credit card rau lub sij hawm 30 hnub los yog ntev tshaj ntawd.
Ces yog muab xam lawm ces twb muaj neeg Australia txog li ntawm 1.75 million tus tsis muaj peev xwm them tau tej nqe siv credit cards txij lub 10 hli ntuj lawm.
Cov kev teeb txheeb no kuj txheeb tau tias muaj tej neeg txog li 8 feem pua yog cov tsis muaj peev xwm them tej nqe siv credit card rau lub sij hawm 30 hnub, thiab muaj tej neeg txog li 4 feem pua tsis muaj peev xwm them rau lub caij 60 hnub thiab tseem muaj tej neeg txog li 2 feem pua yog cov tsis muaj peev xwm them tej nqe siv credit card rau lub caij ntev tshaj 60 hnub thiab.
Yeej muaj neeg siv 13.4 million diam credit cards ntawm teb chaws Australia no, ces thiaj ua rau haiv neeg no muaj tej nuj nqes nrog paj uas yuav tau them txog li ntawm $18.2 billion.
Raws li tau muaj lub koom haum Finder ib tsab ntawv cej luam thaum ntxov uas qhia rau lub 11 hlis ntuj ces kuj txheeb tau tias 15 feem pua ntawm tej neeg Australia yeej tau mus thov ib daig credit card siv 1 xyoos dhau los, thiab muaj tej neeg yam tsawg li 6 feem pua yog cov pheej yuav tau tos cov credit card los siv them tej nqe ntau yam uas siv ua lub neej txhua hnub.
5 feem pua ces yog cov neeg uas siv credit card los them lawv tej nuj nqes tau tiv dhau los - tab sis cov kev pheej tos siv cov credit cards no tej zaum kuj yuav ua rau muaj tau teeb meem loj thiab yog thaum tsis muaj peev xwm them tej nqe siv rov qab raws sij hawm.
Yog yus pheej tsis them raws sij hawm ces tej zaum kuj yuav raug tsub kom them tus nqe them lig thiab them paj ntxiv, thiab kuj yuav ua rau muaj teeb meem rau yus cov credit score (keeb kwm qev nyiaj siv tab sis tsis muaj peev xwm them rov qab). Thiab tej credit cards feem ntau ces tsuas pub lub sij hawm 14 hnub rau yus them yus tej nqe siv credit card yog tias yus them lig xwb.
Qhov tsim nyog thiab tsis tsim nyog ua rau cov kev siv tej credit cards
Tej neeg uas tsis muaj peev xwm yuav them tau tej nuj nqe siv credit card thiab tej nyiaj siv cov credit card no ces ntxiv no yog ib co xub ke yooj yooj yim los pab koj tswj koj tej kev siv nyiaj txiaj.
Tsuas them raws li qhov yus muaj peev xwm them tau xwb
Raws li zeskais Susan Thorp uas yog ib tug paub zoo txog phab nyiaj txiaj ntawm tsev kawm qib siab University of Sydney lub chaw qhia lagluam hais ces yeej zoo li yog tej yam yooj yim, tab sis coob leej ntau tus yeej tsis nco qab them tej nyiaj siv lawv tej credit cards thiab.
Txoj xub kev yooj yim tshaj plaws yuav daws tau tej teeb meem no ces yog siv yus phau online banking txiav nyiaj them ncaj qha (automatic repayments) xwb.
Thiab yeej muaj bi txhia txhab nyiaj ces muaj cov kev siv xo xa moo qhia (text message alerts) kom yus nco tias yuav tau them.
Nrog lub tuam txhab yus qev nyiaj sab laj
Raws li Associate Professor Andrew Grant uas yog ib tug paub zoo txog nyiaj txiaj ntawm tsev kawm qib siab University of Sydney hais ces yog tias yus txom nyem nyiaj txiaj, ces qhov yuav pab kom yus tau txais txiaj ntsim zoo tshaj plaws ces yog yuav tau kub siab thiab nrog lub tuam txhab yus qev nyiaj siv tham.
Lub nrog lub tuam txhab yus qev nyiaj siv tham ... thiab tej zaum lawv kuj yuav nrog yus npaj ib co tswv yim tias seb yuav them li cas, kom thiaj pab yus tswj tau yus cov kev them tej nqe siv nyiaj credit card. Qhov phem tshaj plaws mas yog thaum yus them tsis taus lawm ces yuav ua rau yus muaj keeb kwm muaj teeb meem tsis zoo rau cov kev siv nyiaj txiaj rau ib lub caij ntev heev.Associate Professor Andrew Grant, Finance, University of Sydney.
Yuav tau kub siab txog tej cim qhia rau yus tias tej zaum yus ntsib teeb meem
Grant tau hais tias yog tej neeg Australia ''kub siab txog lawv tus kheej thiab yuav tau nqes tes ua ib yam dab tsi tiag'' ces lawv yuav tsum tau npaj kom tau ib lub tswv yim kom ntxaws tias seb yuav ua li cas thiaj dim ntawm tej nuj nqes ntawd (them tej nuj nqes ntawd tag).
Suav tej cim ceeb toom ntau yam rau yus tias seb puas yog yus ntsib tej teeb meem no loj dhau heev lawm thiab.
Raws li Grant tau hais ces "[Yog tias] yus tsuas tshuav tej nyiaj seem tsawg tsawg ntawm tej nyiaj uas yus khwv tau los tom qab them yus tej nuj nqes tej paj lawm, thiab tsis muaj peev xwm yuav ua tau lub neej yog tias tsis tiv nuj nqe ntxiv kom thiaj ntxeem dhau ntawm ib hnub rau ib hnub ...ces yeej ua rau yus poob rau lub tsam thawj nyuaj heev lawm.''
Txo tej nqe lwm yam raws li qhov yus muaj peev xwm txo tau
Yuav tau txheeb tias seb yus pheej siv nyiaj ua dab tsi, txheeb seb puas yog yus siv nyiaj ntau tshaj tej uas khwv tau los, thiab txog caij lawm uas yuav tau tsis tso tseg qee cov kev siv nyiaj qee yam, tsis yog tias yuav tsis siv kiag li lawm tab sis xyuas kom tsis txhob siv rau tej yam tsis tseem ceeb dab tsi kom txuag tau nyiaj coj los them tej nuj nqe uas yus tseem yuav tau them rov qab ntawd.Ama Samarasinghe, a lecturer on financial planning and tax, RMIT University.
Txheeb seb ho muaj txoj xub ke twg uas yus muaj peev xwm them
Samarasinghe tau hais tias ib txoj xub ke uas yuav pab tej neeg Australia uas tsis tshua muaj peev xwm them tej nuj nqes credit card rov qab ces yog muab yus tej nuj nqes qub coj mus tso nrog rau tej nuj nqes tshiab uas tsis tau them paj hlo li los yog tsuas tau them paj tsawg dua.
Txawm li cas los Samarasinghe kuj tau ceeb toom thiab tias yus tsuas muaj lub caij 6 hli mus txog sij hawm 2 xyoos uas thiaj tau them paj tsawg xwb thiab, tom qab ntawd ces tej paj (interest) yeej yuav nce ''kim heev li lawm'', uas yeej ib txwm kim dua tej paj yus them thaum xub siv thawj daim credit card thiab.
Xav kom tej neeg tsuas siv lub tswv yim no ua tib lub tswv yim uas yog lawv ntseeg lawv tus kheej tias muaj peev xwm yuav them taus tej nuj nqes qub uas tso ntxiv rau tej tshiab rau ib lub caij twg tsi ntsees xwb.Ama Samarasinghe, a lecturer on financial planning and tax, RMIT University.
Grant tau hais tias lwm txoj xub ke ces yog thov muab yus tej nuj nqes txhua yam coj los ua tib pob nuj nqes (debt consolidation loan) ''uas yuav pab kom yus tau them paj tsawg dua tej paj them siv credit card thiab tej zaum yuav pab kom yus muaj caij them kom tag rov qab ntev zog.''
Xub them daim credit card uas yuav tau them paj kim tshaj plaws ua ntej
Yog tias koj siv ntau daim credit cards los yog muaj ntau yam nuj nqes, ces tsim nyog koj yuav tau xub them daim uas yuav tau them paj kim tshaj plaws ua ntej tso — tsis yog them daim muaj ntuj nqe ntau tshaj plaws ua ntej — thiaj mam li them lwm daim credit cards raws li qhov yus muaj peev xwm them xwb.
Yog tias yus them daim card uas them tej paj kim tshaj plaws tag lawm, ces kuj yog lub tswv yim pab kom yus maj mam muaj tej nuj nqes tsawg zuszus thiab.Ama Samarasinghe, a lecturer on financial planning and tax, RMIT University.
Ces nws hais tias yog thaum yus them daim card ntawd tag lawm, ces ho siv tej nyiaj seem ntawd coj los them lwm daim cards uas yuav tau them paj kim tshaj plaws txuas ntxiv.
Nrhiav kev pab cuam
Grant tau hais tias txawm tias muaj ib txhia yeej tsis tshua muaj peev xwm them vim lawv muaj kev txaj muag them tham txog nuj nqes los, qhov phem tshaj plaws mas yog qhov uas ''yus tsis kub siab txog.''
Yog yus muaj peev xwm qhia tias yus yeej paub tias yus poob qab thiab tsis tshua muaj peev xwm them thiab yus yeej npaj ib lub tswv yim los pab — thiab yeej qhia ncaj txog tej teeb meem no (rau lub tuam txhab yus qev nyiaj siv) — ces yus lub txhab nyiaj yeej yuav npaj ib co tswv yim zoo los pab yus kom muaj peev xwm them tau tej nuj nqe no rov qab.Associate Professor Andrew Grant, Finance, University of Sydney.
Samarasinghe thiab hais tias teb chaws Australia yeej muaj cov kev pab cuam uas yeej muaj tej neeg ua hauj lwm uas tau kawm thiab paub sab laj txog phab nyiaj txiaj, thiab tej neeg ua hauj lwm no yeej yog ib co neeg ntawm tej koom haum pab cuam zejzog, tej koom haum cai lij choj, thiab tej koom haum kho mob thoob teb chaws no.
Nws tau hais tias "Lawv yog tej neeg uas yeej kawm thiab paub ua tej hauj lwm no thiab muaj peev xwm sab laj tawm tswv yim txog tej teeb meem nyiaj txiaj feem ntau kom haum raws li tej xwm txheej sib txawv.''
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Mloog tau hnub zwj Teeb (Thursday) 6 pm, hnub zwj Hnub (Sunday) 11 am, los yog koom tau ntxiv ntawm , , thiab . Downloadthiab caum
