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Situation
Global economic downturn
The economy is still growing, but the world is shrouded in fear of recession. In fact, we are in a global recession, and most people have not noticed it at all.
Credit card per capita in the world
Banking problems
In order to occupy the credit card market share, the major banks have greatly increased the issuance of credit cards, resulting in an increase in the bad debts of the major banks
User problem
With the growth of social and economic capacity, consumption power has also increased. The number of credit cards held by most citizens continues to increase. The overall situation of early consumption in the world as a whole is serious, resulting in users inability to repay credit cards on time, causing poor credit records.
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