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In contemporary society, bank cards have become a daily necessity for the vast majority of people. Whether it's daily expenses or salary income, bank cards play an indispensable role in this. However, people treat wages differently, with some choosing to deposit their wages directly on their bank cards, while others quickly transfer funds out once their wages arrive. So what are the implications of these different choices?
The practical demand for bank cards as payroll has penetrated into the business philosophy of various enterprises. For these businesses, using bank cards to pay employees is both a convenient way to strengthen their connection with the bank. Payroll is paid via bank card and can be checked at a glance.
From an employee's point of view, punching wages directly into a bank card makes it easier to use money. As a popular payment method, mobile payment usually requires binding a bank card. As a result, employees can easily connect their payroll cards to mobile payment platforms once their payroll arrives, eliminating the need to transfer funds to other cards for everyday purchases.
However, not everyone has trust in mobile payments, especially some seniors. They prefer to use cash because cash allows them to feel more secure and secure in every transaction.
Young people are more likely to use mobile payments, but a significant number of people will quickly withdraw or transfer funds to other accounts after their wages arrive. So why are young people doing this?
First of all, many young people will bind bank cards to third-party payment platforms, but do not necessarily link salary cards to them. Therefore, although they use mobile payments, they still transfer their wages to the bank card associated with mobile payments for the convenience of consumption.
Second, young people may choose to shift their wages out for financial purposes. With limited income but strong consumer demand, many young people choose to manage and invest to add an additional source of income. Therefore, after the salary arrives, they usually leave enough funds for daily expenses and use the remaining salary to purchase wealth management products to enrich their sources of income and enhance their assets.
In addition, young people may also transfer their wages to pay off debts. Modern young people are usually saddled with a considerable amount of debt, especially after the 90s, whose average debt is as high as 140,000 yuan. With limited income and the maturity of loans, wages became the main source of funds for debt repayment.
Most businesses choose to pay their salaries in the middle of each month, which coincides with the timing of loan repayment. As a result, employees who are under debt stress often transfer money out after wages arrive to repay loans.
However, it is important to note that the seamless transfer of wages can have an impact on an individual's bank credit, especially in relation to the loan amount. When deciding on the amount of personal loans, banks usually take into account factors such as the applicant's income, bank flow, and repayment ability.
Bank statement refers to the transaction of funds on a bank card. If a person frequently transfers money out of a bank card with no or very little deposit on the account, the bank may consider that this customer has other debts and has a weak ability to repay, so the maximum loan limit given may be lower.
In addition, the savings function of customers transferring funds to third-party payment platforms after their wages arrive will also have a certain impact on the bank's operations. As we all know, savings is one of the main businesses of banks, and the amount of savings directly affects the amount of bank lending. Banks rely on interest on loans to make a profit, so if the amount of external lending is small or the funds are not enough, the bank's operation will be affected.
In conclusion, whether or not to transfer wages out of the bank card depends on the individual's choice, but when making this decision, it needs to be reasonably assessed on a case-by-case basis. Bank deposits have greater stability and security, which is important relative to other financial investments. Therefore, everyone should decide how to handle their salary based on their financial situation and goals.
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