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Credit temptation
At the recent premiere of a Hollywood blockbuster «Transformers» in a Brooklyn theater staff of a well-known in America Bank urged the audience to fill in the questionnaire for a credit card (limit $ 1000). As a gift offered exclusive T-shirt depicting main characters bots from the movie. And the main emphasis has been placed an ad on this unique T-shirt: «Nothing of the kind you will not find in any store in New York. Issued all a thousand pieces ... »
Of course, from wanting otboya was not. Of particular activity showed teenagers. They are one after another questionnaire designed to obtain the cherished T-shirt. So, how well this credit card, they have not even asked. It was only a link between the desire to get a gift and the gift itself. Less than half an hour all over T-shirts. By the table no one else approached.
What I tell all this? In the race for U.S. customers, banks are increasingly resorting to well-conceived stunt. They know that some often become a credit card just to get in a fashionable gift bag, mugs, t-shirt, kepku, a popular discount store, etc.
It is clear that in most cases, unwitting klmentami banks are teenagers. Especially those who just stuknulo 18 years.
For example, in one of the colleges of North Carolina, bank managers are offered to students fifteen free lunches in a nearby fast-fude for the fact that not only order but also to activate a credit card. Naturally, the students did not hesitate to agree to such a tempting offer. They did not even suspect that only one activation cost them $ 200.
«The representative of the bank did not say anything about the activation fee - justified 19-year-old victim Richie Thorne. - It turns out that this was written in small print on the back of the contract, but none of issuing a statement that certainly did not notice ».
Professor Jeremy Uovinkl in his book «The Psychology of spending money» (The Psychology of Spending Money) writes: «Most teenagers do not want to understand the subtleties of bank interest, with a calculator to compute the amount of growing debt. For them, the most important thing - to find the money to immediately purchase the desired product or service. Teens live one day, while banks are prospering at the expense of their frivolousness ».
He also said that each year 30% of American teenagers who use credit cards, ask their parents to help them get out of debt pit.
Educational institutions - a favorite place campaigning for bank employees. Here, they always find thousands of new customers. «Distributors credit cards - the real Egyptian vulture - considered a resident of Oklahoma Susan Priore. - They know that students are short of money. Due to financial constraints, the students agree to commit to duty even under the astronomical interest ».
Prior, along with hundreds of other parents called the American colleges and universities to boycott distributors of credit cards in schools. One of the earliest that initiative supported by Columbia University in New York. But bankers are not lost and is now conducting propaganda is not in campus and beyond.
«We can not give credit card teenager who lives with his parents and depends on them one hundred percent - believed 47-year-old Colin Filtspatrik from California. - Banks should impose severe restrictions not only on age but on the social status of man ». Filtspatrik explains that the debt of its 19-year-old son by credit cards reached $ 16 thousand. The teenager carefully concealed from the parents' letter from the bank, but secret, as is known, has always becomes apparent. «Now we have to pay the debts of his wife - said Filtspatrik. - I do not want mistakes of youth my son isportili all his subsequent life. I think that employees of banks are well aware that parents do not throw the debtor-child, so without fear sending cards at $ 2 - $ 3 thousand ».
In Michigan-known financial company JPMorgan kreditok owners offered free trips to special bicycle taxi. And passengers may be just standing clients of the company. «They are forcing us to issue a credit card - said 20-year-old student Eric Felan. - For instance, I did it just to go by taxi along with his girlfriend, which has long been a client of JPMorgan. I do not want it went in a taxi one ».
Statistics show that many teenagers deliberately indicate on the form incorrect data to get a free gift, a credit card - None.
I was able to speak with a Russian-language student, managed in a way to buy dozens of gifts and souvenirs - from soccer balls to beer glasses.
«I do not feel remorse - he said. - On the contrary, each time picked up a regular gift and leave it on paper fake address and number of Social Security, I am not leaving a sense of satisfaction. I am glad that the bank was able to deceive even by a few dollars. He deserves the punishment for a ruthless policy towards its customers ».
Today, some financial institutions are not shy to introduce their representatives even in student organizations (fraternities / sororities) in order to «recruitment» their friends and child care and schools. «Gather signatures for a credit card can be a good idea podzarabotat - tells the 18-year-old Salvador Clark of Texas. - For each completed questionnaire banks are willing to pay for the $ 5 - $ 10. Sometimes one day manage to earn $ 80 - $ 120. In college I know many, so willing to agree to form their data ».
Clarke argues that no person who had agreed to fill in the questionnaire, not studied the rules of using a credit card. «Teens are asked only to the amount that they will be available after receiving the card - he said. - They are absolutely not interested in the name of the bank, the percentage of interest or the terms of the contract ».
Clark notes that the number of applicants is directly dependent on the gift, which suggests the bank. The most popular, in his view, have T-shirts and portable flask. But «subscribe» for kepku or stationery does not agree to virtually none.
Curiously, 80% of potential customers «credit clicker» to the proposal to receive a free T-shirt asked the same questions: «What it shows? What made it? How does it look like? »Credit Card - a secondary thing.
Every day an increasing number of Americans calling for the imposition of a federal ban on the provision of credit cards to persons under 21 years of age. «Why teenagers can not buy a bottle of beer, but has every right to spend thousands of dollars that he does not belong - lamenting Ben Richards from the Organization support the health and safety of teenagers (Teen Health & Safety Organization). - Banks pet our children, taught them to easy money. Teenagers are not geared to their obligations to the creditor, so often incur huge debts to spoil them with all the subsequent life ».
The most terrible when young people pay with credit cards buy drugs. Government of the United States recorded over the past months, hundreds of similar cases. How exactly this happens, I can not say, but the fact that even the Drug-dealers are trying to profit on the «credit availability» for their own purposes - there.
Credit Card in the hands of teenagers
Needless to prohibit teenagers have credit cards, to impose age restrictions? To better understand the position of «our» immigrants on this issue, we appealed to the Russian-speaking teenagers and their parents. Race ahead, I will say that recent times have no idea whether their son (daughter) credit card.
So members of our rapid survey answered the following questions:
-Are your kids credit cards? How do you take this attitude?
-Do you think that access to credit cards for teenagers should be limited?
-Why do teenagers living under the same roof with her parents, Credit Card?
Zamat, 53 years
(son - 20 years)
All credit cards are processed in our family to me and kept my wallet. Wife and son, who did not earn any cents, a luxury to anything. I am fed to the teeth stories about how women and children thoughtlessly spend money with credit cards ...
In America, a man easiest awash with dripping on the credit percentage, so such trouble in my family will try to avoid.
Alex, 40 years old
(son - 16 years)
I had two years ago made the son of debit card, through which he could use my bank account. So far, he has never failed me no. Each time, gathering anything to buy, even trinkets for ten dollars, he calls me and asks permission. By the time the child becomes an adult, he would already be 4 years of experience «social» with bank cards. I am confident that by ordering credit card, he will behave with the money wisely.
Vera, aged 57
(daughter - age 19)
You know, the daughter of one of my acquaintance recently forgotten somewhere purse, which had two credit cards. In the Bank of missing it reported only two days later. The result revealed that the accounts were lifted almost three thousand dollars. Fraudsters pay credit card in restaurants and nightclubs. Employees of the bank did demanded that the girl to pay damages. Said that the loss it reported too late. Then you ask me, can I trust the credit card teenagers? Only when the card must be PIN!
Arthur, 17 years old
Parents themselves have initiated the fact that I have credit cards. To this end, they returned with me to the bank and instructed me. Now in my purse three cards - two for $ 50 and one at $ 100. Why do they need me? Just to make credit history flourished. If properly used and not to violate banking regulations, then very soon, you can gain enough points to get Lisa at the car.
Sasha, 18 years old
There are situations where money is needed. Using credit can always be something to buy, then sell and collect cherished cache. Believe my experience, it is better to borrow money from banks than from friends. From their "friends" I can expect anything: they can «include meter», jab with a knife, or just a dusting in time for non-payment of debt. The debtor among young people - is unreliable people, is not responsible for their words, therefore, despised. In general, if borrow, borrow from both banks.
Irina, 47 years old
(daughters - 18)
I am not interested in whether my daughter's credit card or not. It is an adult female and is responsible for their actions. Pocket money, she does not ask, because free time penny in the shop. Consequently, the child knows the price of money. From my hand to impede a credit card is as foolish as to prohibit her from meeting with representatives of the opposite sex.
Roma, 19 years old
Each month, order 2 - 3 credit cards. Admit that sometimes I do it from idleness. Shabby card in the wallet a couple of weeks, and then call the bank and abandon it. Last time, for example, one of the banks has promised to make a credit card with my photo. I ordered it for the interest, then canceled, is now pulled this piece of plastic with a «for Fun», showing familiar.
Felix, 19 years old
Why Credit Card? It is very easy to deceive the banking system. A year ago we shared with her boyfriend credit cards. He spent my thousand dollars while in the Dominican Republic, while I was in Italy and pay the bills his credit card. Back in the States, each of us is called to their banks and reported fraud. I am with tears in the eyes of bank employees argued that my Credit Card has always been with me. As evidence showed airfares, Travel-passport photographs from the Dominican Republic. The bank has initiated an investigation and then spat and returned me «stolen» money. To prove very difficult for international fraud.
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