Thursday, October 23, 2008

十月飛霜

媽來電說,我沒有找卡數,害她被銀行追數。

WTF, 兩年來都是月頭五号左右找數,月月洗月月還,怎麼無啦啦話我久費末繳?

原來銀行將三十日免息還款期,改了為十四天。即每兩星期便要還款一次。

問媽銀行有無出過信通知佢,媽說唔多覺眼,就算有,應該都是正常人看不見的6 pt 字。

上星期去買Ipod, 發生了一段小風波,誤會過後,四眼哥哥仔無奈地對我說,我用的那家銀行,已停止批核一萬元以上的免息分期申請。我還半信半疑,以為哥哥仔只想快點息事寧人,求其作個籍口讓大家好下台。

自收咅機聽到,有些銀行巳把支付信用卡簽賬的過數期延長,不單怕容户無力償還卡數,更怕不良旅行社美容院找一大幫人刷卡買套票,在結業前自銀行套取現金。

過去十年,先洗末來錢的習慣已成消費枝柱。沒有了便利的免息分期,誰會耐性地儲蓄付現鈔買一台六十吋Plasma? 玩物喪志狂換電話相機手袋的一羣,通常都是乘着刷卡之便衝動地消費。銀行要他們十四天後還款,這卡, 刷得不爽, 索性不買。

今次銀行關水喉收緊信貸,市民的消費模式也要跟着改變。消費意慾低迷,生意人還可以守。但當連願意消費的人也消費不了,零售業無生意可做下, 真不知要如何捱過這一關。。

銀行自保的之時,會扯下幾多生意人陪着墊屍底?

心,好寒。

6 comments:

卡臣 said...

妳買的Ipod...要一萬元?
咁貴?
定係我理解錯?

oz said...

Thats what I thought (ipod for HK$10,000)when I read your post. This ipod can make you fly? Or it comes with some special drugs?

C+ said...

吓,乜Ipod 唔洗一萬蚊架咩?

嘿嘿。

入去時, 我真係打算買Ipod,但鬼Um眼,埋單時,無啦啦變咗Ipod + 手机 + 鏡頭 + 相机.

好彩比哥哥仔嗰場小風波激親, 我嬲到走鬼咗。:P

Char said...

This is an act of aggression. I'm pissing on your blog and virtually drenching everything from July to October. A la V&O.

oz said...

Was this act of pissing done in public or in private? And I thought ms char was such a fashionably gentle lady. A 泰林dry-clearner please!

C+ said...

Hehehe she knows too well I am not only a fan of tough love, but also all sort of kinky acts :D

Keep them coming please~~~

 
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