The idea of implementing the RM 50 government is come from a good means.公仔箱論壇 d" @) z) Z; y" O2 }
However, before enforce it, further analysis should be done. Although by this way, it may reduce the volume of card holder and irresponsible spending, but in the other hand i also bring in negative impact to the society.公仔箱論壇2 M x, J$ P# M T& q$ w
One of main impact is it will create choas in credit card sales.
# i# w% a5 y& e5.39.217.76If sales agent do not meet target, employer will fired them. Employer will not be replacing the vacancy as we all knows people are not willing to bear the additional RM 50 charges. This informaly create a incrate of unemployment rate.
" ~$ |2 p/ f1 \$ {tvb now,tvbnow,bttvbNot be bias, government should not be in the blame for such action, although we know that this is another blackmail in disguise. The one is to be blame should be the banking industry. They are the one that let the government has the cahnce to take advantage on the card holder.公仔箱論壇+ x' J' f* l+ i5 t7 R
Remeber that in the late 80s and early 90s, when credit card was introduce in Malaysia, the approving rate of the credit card is very low, and those who holding the credit cards is realy those who are entitle for it.
8 J0 r* d$ d( e* F7 S5.39.217.76But now, the criteria of being a card holder is getting loosen until those who not an income earner is also able to get one. Is no longer given to need, but is also given to those who is not required it, and with this, people had exploit it.
) T, \" \4 w$ f1 i8 P- M5 V2 N5.39.217.76Now, who should be blame? Government? Bank? Consumer? |
發表於 2009-10-28 09:37 PM
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