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VISA Debit Cards: Economic Solution and Decline of Credit Cardsâ Protection
You might have wondered why your stock portfolio plummeted down to 50%, your IRA reduced by 60%, your home is on the verge of disaster, or your business grossing 40% lesser today than it was 2 years ago. It surprises you even more that your credit card company has unexpectedly closed your account or transferred it to another banking institution. The answer is simple: You might have simply outspent yourself. People just don’t realize that the prevailing reason for a financial crisis is spending for more than what they’re actually earning.
Have you figured out how this happened?
Outspending may basically be chalked up to lack of control over personal and business expenditures. This may include the inability to balance a checkbook, taking a loan for a car or house without knowing the capacity to pay the mortgage, or depending on credit card balance transfers just to maintain lifestyle.
It should be a known fact that accountability is a worldwide community effort, and should not be solely credited to the consumer. Other underlying factors are subtly involved, and preventing these circumstances from happening again is greatly possible. One good thing to understand the causes of the economic situation more clearly is the influence of marketing, media, and major financial institutions. It is important to understand how the media operates and the amount of money that companies spend on advertising. It is also very essential to know how credit card companies incessantly drive credit card applications to consumers, and how spending control is rarely, if ever, encouraged throughout our culture.
Everyone knows that every loan agent generates revenue from a car and home loan or a successful credit card application. This fact shows a blatant conflict of interest between how the loan and credit card companies encourage consumers, families, businesses, and households to manage their cash flow wisely and to control their spending. Most often the credit card company does not maintain an account balance: the cash owed from or paid to the issuing credit card company is actually held by a partner bank who temporarily loans the funds to the credit card holder until the credit card owner repays that bank. The credit card company profits each time the consumer makes a purchase by charging an interchange fee or merchant fee.
Moreover, the credit card company also benefits when the credit card owner fails to pay off their credit card debt each month. In such situations, the partner bank of the credit card company answers for the debt of the card holder putting the lender bank at risk. As a result, the bank’s capacity to loan money to other clients is reduced as paying the credit card company reduces the amount of cash in its vault or current assets. Definitely not everyone knows that the credit card company also generates additional revenue from interest fees and penalty charges until the credit card holder pays the full balance.
The relationship between the partner bank, the credit card company, and the consumer then becomes a triple conflict of interest. Media advertising through sponsorships and paid ads presents the most attractive benefits to the consumer market on behalf of the credit card company and consumer-driven shopping while failing to educate consumers about their own credit card spending and balance carry-overs and the related costs and impact to their financial well-being. Consumers are often lured by the power of advertising that they buy goods and take loans without taking into consideration the consequences it may bring. Advertising targeted to consumers rarely encourages a consumer to pay debt in full or on time. Such values and practices are seldom advertised. With the amount of advertising spent on convincing the consumers to purchase products on loan combined with the lack of encouragement to pay the bill or to spend within one’s means, it’s inevitable that both businesses and consumers would become engrossed in spending pattern based on max-credit without considering the consequences.
Our adult and younger generation come to believe that charging purchases on credit cards is an acceptable practices, even when in fact they do not actually have the money nor the monthly income to cover the debt. As a result, one of the largest, if not the largest traded commodity, ironically is debt.
Few are aware that throughout the term of a loan, be it a home, car, school, furniture, or otherwise, most often the loan bought are actually sold multiple times between private parties looking to receive the interest income on your loan. Those purchasing debt look for opportunity to financially gain at a later date from an indebted hardship. Take for instance the business of cashing checks and pay-day loans. Pay-day loan and check cashing institutions depend on lending money to individuals looking for quick access to cash, while the check cashing business benefit from that loan not being paid because it is secured by the debtor’s asset as collateral.
If a certain pattern is set by an individual repeatedly taking out pay-day loans, chances are his debt will eventually balloon without his knowing, as it is often compounded by interest that will somehow disable the debtor to pay off his debt. He will immediately be disqualified for another pay-day loan and will soon be a target for irate creditors. The check cashing business may sell this debt or hand the case over to a debt collection agency. The debt collection agency may further seek to collect from the individual or his family by accepting whatever form of payment including unencumbered personal assets. Debt collection agencies frequently monitor the income declared by an individual, and once they see that this individual will start generating revenue again, the debt collection agency will definitely pursue the debtor.
