“Credit card limit suddenly reduced”… Complaints continued
Credit card companies regularly monitor usage limits and adjust limits
Credit card companies, cash crunch… Risk management for overdue issues
[앵커]
Credit card companies struggling with financial hardship due to high interest rates have started to reduce usage limits on the cards as the economic situation is expected to deteriorate in the future.
At the same time, the size of loans is being reduced and various benefits are being reduced, and the concerns of ordinary people are deepening.
This was reported by journalist Kang Hee-kyung.
[앵커]
Recently, there have been articles about lowering the credit card limit, mainly in Internet cafes.
There are also complaints that the limit was cut in half even after spending 10 years with no overdue or credit card loans.
Recently, major credit card companies announced they would lower the limit for some members after conducting regular limit inspections for individual members.
Under related regulations, credit card companies are allowed to check the limit more than once a year, but late last year it was reported that stricter than usual standards were being enforced.
[카드업계 관계자 : 최근 금융권 전반에 걸쳐 조달 비용 상승 등으로 업황이 악화한 측면이 있고 대부분의 카드사가 위험 관리 차원에서 한도 등을 조금 더 보수적으로 바라보게 돼서….]
Currently, credit card companies are struggling to secure liquidity due to the financial market crisis caused by Legoland last year.
Furthermore, risk management appears to have begun as the number of card payment defaulters may rise due to high interest rates and the deteriorating economy.
[박태준 / 여신금융연구소 실장 : 최근 고금리·고물가·고환율, 이른바 3고 경제 시대를 맞아 수신 기능이 없고 경기 변동에 민감하다는 여신금융전문업 특성으로 인해 그 충격을 크게 받고 있는데요.]
Simultaneously with the reduction of the usage limit, the debt threshold is raised and the interest rate is raised.
As of November last year, the card loan balances of the seven full-time credit card companies totaled 34.28 trillion won.
It decreased by more than 500 billion won from the previous month.
The average interest rate on credit card loans, on the other hand, rose by almost 1 percentage point in one month, going from 13.92% to 14.84%.
As loans become increasingly difficult due to DSR regulations, ordinary people in need of cash are being pushed into cash advances or turning to higher interest rates.
During the same period, cash advances and revolving balances increased by more than 50 billion won and more than 130 billion won, respectively.
[A 씨 / 카드 이용자 : 급전이 필요한 경우에 어쩔 수 없이 (카드사 금융서비스를) 쓰는 상황이 생길 수밖에 없지 않습니까? 그런데 이렇게까지 가파르게 금리를 인상해 놓으면….]
Additionally, credit card companies are tightening their belts by reducing various discount events and interest-free installment benefits.
The ordinary people’s money line is frozen due to the omnidirectional austerity measures of the credit card companies.
This is YTN’s Kang Hee-kyung.
YTN Kang Hee-kyung ([email protected])
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