Yamada Mirai has followed Kishimoto for many years, and as his secretary and head of office, he naturally knows that he will not ask questions aimlessly.

She thought about it again and again, and replied seriously: "The advantage of a credit card is that you don't need to carry a lot of cash in your wallet at all times.

It is especially convenient when shopping. What makes us women different from you men is that we don't go shopping with a clear purpose.

Once you come across a product you like, you will buy it directly. On the contrary, no, you can go shopping for a day and buy nothing.

You men tend to buy things with a clear purpose, just go to buy them, and don't go shopping aimlessly to entertain or pass the free time. ”

Masayoshi Kishimoto nodded his head in agreement. That's true, men and women are shopping, that's really it.

When a boyfriend or girlfriend or husband and wife go shopping, the physical strength of the woman is unexpectedly better than that of the man. Shopping for less than half a day, men are generally tired, listless.

One of the things they hate to do the most is to go shopping with their girlfriends or wives, and the more women go out, the happier they become, and even show their excitement.

Men can't understand that women are happy to go shopping all day even if they don't buy anything. It's like women can't understand why men are happy to stay at home and play games alone.

"Credit cards can also provide you with the best solution when you need money urgently. Whether it's borrowing money from acquaintances or borrowing money from those regular microfinance companies outside, it's not good.

The former, even if others don't want interest, makes it difficult for them to lose face and make it difficult to speak. If I said it, I was politely rejected by the other party, which was embarrassing.

In case the other party has a broken mouth and turns his back and says it, then he will be labeled as having no money. In the latter, the interest rate is on the high side. However, this method of borrowing is often used by salarymen.

For example, having dinner and drinking...... There is no money in hand for a while, there are one or two weeks until payday, etc., in order to maintain the necessary interpersonal relationships, it is unavoidable.

If you go on the same day, you can usually get the money right away. Although the amount is not large, it solves the urgent need and maintains his face.

Compared with these, credit cards are more convenient, and they can be settled directly by swiping the card or withdrawing cash. As long as the amount owed by the credit card is replaced on time, no interest will be charged.

Of course, direct cash withdrawals are naturally subject to handling fees. In my opinion, it is the banks that deliberately left such a method.

If one bank pays off another bank's credit card debt, why can't they just swipe each other's cards and only pay them back in cash?

Otherwise, how can they make a profit? There is no interest, and there are all kinds of preferential activities and so on to lend you money for nothing? There is no such reason.

They are not philanthropists. The disadvantage is that not everyone is rational in terms of human desire and self-control.

Credit cards can give people the misconception that the credit limit is their own deposit. Mirai Yamada said eloquently.

Kishimoto listened patiently to her story. He also knows that there is a saying about credit cards, when swiping, hee-ha. When it is returned, it is like a crematorium.

Once it expires, you can't pay it all at once, and you can also pay it in installments. The interest rate of this installment is even higher. It is also a favorite on the banking side.

The invention of the credit card is indeed a good side, and it will not be demonized as betting on tomorrow with youth.

It depends on whose hands it is. Most people, especially young people, lack the necessary rationality and are occupied by sensibility and impulsiveness.

The impending credit card crisis in South Korea. It is understandable that some people cannot repay their credit card debts.

Some people take out a loan for 30 years to buy a house, but they are unable to repay the mortgage because they are unemployed. So, the instinctive first instinct will not be to sell the house.

One is that it is not good to talk to other people in the family, and the other is that if you sell your house, you still have to rent a house, and it is impossible to live in it. So, it's natural to think of using credit card money to pay off your mortgage.

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

Some people go to college and need to pay tuition fees or something. If you can't, you need a credit card. I think I'll wait for myself to pay it back slowly in the future.

Some people are about to graduate, need to buy a suit and other interviews, and have to use a credit card. Whether it is South Korea, Japan, or other countries, there is a general phenomenon of respecting Luo Yi first and then respecting others.

In Korea, a person's appearance really matters. It is indisputable that good-looking people, both men and women, will be treated better or have a better chance of admission than ugly people. There is no cost of this plastic surgery, and I have to pay from the credit card.

In addition, there are too many kinds of helplessness constrained by reality. My circle of friends has bought the most popular shoes and bags at the moment......

If you don't, you're bound to be ostracized, because we don't have a common language. So, under the pressure of reality, I had to use a credit card.

Follow the crowd, everyone around you is using credit cards, so I have to use them together. Otherwise, I would be like an outlier.

The personal usage rate of Korean credit cards is as high as 69%. If you subtract 18-year-olds, the percentage is even higher, and it's not an exaggeration to say that everyone has a credit card.

Just like in China in later generations, everyone is using smartphones. The payment method is either Alipay or WeChat. If you don't use a smartphone and you have to use cash, you're bound to be seen as an outlier.

Your friends will say to you with such a tone that nowadays, even old men and old ladies can use smartphones, Alipay, and WeChat.

At this time, Shunaka Sato knocked on the door and walked in. He said solemnly, "President, lunch is ready." ”

"Lunch, we don't use it in this hotel anymore. You and Yamada Mirai follow me out to eat. Just the three of us, don't let anyone else follow.

By the way, Sato, you can take us to the favorite dining place for ordinary citizens in Seoul, South Korea. "Kishimoto is going to personally conduct a field trip.

"For your safety, I suggest you stay in this hotel for dinner. Sato Shuzhong didn't immediately agree.

"You're worrying too much. The protest at the airport should have been pushed and directed by someone behind the scenes. Otherwise, how could I be so clear about my itinerary and other things.

Ordinary Koreans are busy raising their families, and there is still so much free time to do such boring things. Kishimoto laughed.