Lin Yaren noticed that Yamada Miya was suddenly in one direction and was tracing in a dizzy direction. He looked sideways in the direction where her eyes were.

I originally thought she either saw a handsome guy or a star, but I didn't expect that she was deeply attracted by a credit card.

"Brother Yasuno, when will you get a credit card? Using a credit card to make a swipe purchase, it's so cool." Yamada Miku said thoughtfully.

Lin Yaren knows that the current RB is generally not a credit card. People who can use credit cards in society are often regarded as rich people.

This is mainly because RB commercial banks or credit card companies are more cautious in issuing credit cards to the outside world. Therefore, credit cards are a symbol of high-level status.

In his opinion, it is precisely the conservativeness of RB commercial banks or credit card companies in this regard that they give themselves and microfinance companies an opportunity to take advantage of.

The application threshold for credit cards is high, so it makes it difficult for ordinary people to hook up. At this stage, the RB economy is in its heyday. After working people get off work, they often go to izakaya to drink.

Sometimes, I just drink all night. On the next day, I still go to work. It would be bad if I don’t have the energy, so I created unprecedented sales for those drugs that boost my spirit.

In the current RB company culture, drinking together after get off work is a carrier of internal unity and promoting mutual trust.

Whether it is a large-scale enterprise or a small and micro enterprise, it advocates and agrees with this "family" corporate culture concept. As an employee of a company, especially a formal member, it is impossible not to go, nor dare not to go.

The formal members of the Dashou Enterprises will also have a relevant subsidy provided by the company in the department, and the wage earners of small and micro enterprises will pay for it at their own expense.

Whether it is a big-time enterprise or a small and micro enterprise, there will inevitably be a tight situation among the livestock companies.

So, it will naturally happen that someone will carry out certain borrowing operations towards those micro-loan companies on the street.

In fact, it is really normal for RB during this period. Even if you muster up the courage to tell others that you have no money, you will be encouraged to borrow from a micro-loan company, saying that it will be paid off when it is payday.

RB companies usually give bonuses twice a year, also known as half-year prizes. At this time, RB companies, especially big-hand companies, will give bonuses every quarter, that is, only three months. Each time they give bonuses, they will give one or two million yen.

If you enter a famous big-hand company, your department will make money for the company and you will receive a bonus of over one million yen almost every month.

This makes the entire RB social atmosphere full of glitz and materialism prevail, especially making it easy for young people to float up. Even if they don’t have money, they will not hesitate to borrow money to spend money on a large scale.

They would not expect that the bubble economy would burst seven years later, so they lined up to go to the rooftop to jump off the building and commit suicide. Every sixteen minutes, a RB person would commit suicide.

Lin Yaren knows that if he does not firmly seize the existing opportunities, he will not have any more in the future. When RB Commercial Bank or Credit Card Company releases its courage and adopts radical strategies a few years later, credit cards will become something that ordinary people can apply for at will.

At the same time, in the early 1990s, a credit card swiping storm broke out in RB, which led to the crisis of personal credit card bankruptcy in many places.

Credit cards are indeed a good tool for personal capital turnover. During its interest-free period, it is very convenient. Once the installment repayment begins, the interest rate will be high.

In fact, when a credit card cannot pay back the money when it expires, the actual interest rate may not be lower than the loan interest of these micro-loan companies.

There are so many tricks for credit cards. You can only swipe your card to spend, but you will have to charge high handling fees, and withdraw cash. After breach of contract, there will be a penalty for liquidated contract.

In addition, credit cards cannot repay each other by swiping cards, and can only withdraw cash, which is commonly known as card-based card maintenance.

If a commercial bank or credit card company sues the case in court, the debtor will have to pay at least double interest, liquidated damages, etc.

Seeing that Lin Yaren didn't say anything for a while, Yamanda Miya couldn't help but feel that he had said the wrong thing. She became nervous and said, "Brother Yaren, you are super handsome without a credit card."

"People with credit cards are absolutely not as good as those who can send credit cards. If you like credit cards so much, then after I upgrade my company to a credit union, I will almost be given financial authority to issue credit cards. At that time, you come to me to apply for a magic card.

If you swipe your credit card and can't pay back the money, what do you think?" Lin Yaren couldn't help laughing. He didn't know the true description of the credit card, swipe your card and pay back the money in the crematorium.

When I swipe the card, I don’t feel like I’m not spending money. When I pay back the money, especially if I exceed my monthly income, I feel so uncomfortable.

"I don't want it!" Yamada Miya shook his head left and right.

"Don't you think swiping cards is super handsome?" Lin Yaren asked with a smile.

"I'm not a rich man, and even if I apply for a card, I don't dare to use it. However, I heard that there is a kind of credit card with a sub-card.

That is, you get it in your name, take the main card, and give me the secondary card. When you pay back the money, I will spend it when you pay it back." Yamada Miya smiled at him with a little fox-like cunning smile.

Lin Yaren raised his right arm, and then another hand knife fell on the other party's Tianling Cover: "Damn girl, you even know this."

Yamada Miyaki raised his hands high and protested while making a surrender gesture: "Don't hit me in the head anymore. If this breaks it, it's your loss. In the future, if the children I give birth to you are fools, I will blame you all."

"Can you be more reserved?" Lin Yaren felt embarrassed when she said this.

"In the six months two weeks ago, we not only ate at the same table, but also slept in the same room. By the way, sometimes we slept together directly.
Chapter completed!