Mark Cuban Once Said Credit Card Users 'Don't Want To Be Rich.' Now, US Credit Card Defaults Have Skyrocketed To Highest Levels Since 2008 Financial Crisis
Mark Cuban Once Said Credit Card Users 'Don't Want To Be Rich.' Now, US Credit Card Defaults Have Skyrocketed To Highest Levels Since 2008 Financial Crisis
U.S. credit card loan defaults have skyrocketed to levels unseen since the 2008 financial crisis. Credit card lenders wrote off a staggering $46 billion in seriously delinquent loan balances in the first nine months of 2024
美國信用卡貸款違約率飆升至自2008年金融危機以來未曾見過的水平。信用卡貸款人於2024年前九個月註銷了高達460億美元的嚴重逾期貸款餘額。
What Happened: This figure, which represents a 50% increase from the same period in the previous year, is the highest in 14 years, according to data compiled by BankRegData, reported The Financial Times.
發生了什麼：這一數據代表着與去年同期相比增長了50%，是14年來的最高水平，數據由BankRegData彙編，報道了《金融時報》。
Mark Zandi, the head of Moody's Analytics, pointed out that while high-income households are managing, the bottom third of U.S. consumers are financially exhausted. He stated, "Their savings rate right now is zero."
穆迪分析公司首席執行官馬克·贊迪指出，雖然高收入家庭能夠應對，但美國底層三分之一的消費者已經財務疲憊。他表示，"他們現在的儲蓄率是零。"
Capital One (NYSE:COF), the US's third-largest credit card lender, recently reported that its annualized credit card write-off rate hit 6.1% as of November, up from 5.2% a year ago.
美國第三大信用卡貸款機構Capital One（紐交所代碼：COF）最近報告稱，截止到11月，其年化信用卡註銷率達到了6.1%，高於一年前的5.2%。
Despite nearly $60 billion in consumer credit card debt being written off in the past year, another $37 billion remains on consumers' cards that are at least one month overdue. "Delinquencies are pointing to more pain ahead," warned Odysseas Papadimitriou, head of consumer credit research firm WalletHub.
儘管在過去一年中近600億美元的消費者信用卡債務被註銷，但另外370億美元仍在消費者的信用卡上，逾期至少一個月。"逾期情況預示着未來會有更多的痛苦，"消費者信用研究公司WalletHub的負責人Odysseas Papadimitriou警告道。
Why It Matters: Billionaires like Mark Cuban and Warren Buffett, along with financial expert Dave Ramsey, have openly voiced their disapproval of credit cards.
爲什麼這很重要：億萬富翁如馬克·庫班和禾倫·巴菲特，以及財經專家戴夫·拉姆齊，都公開表示反對信用卡。
Buffett once advised a friend, "If I owed any money at 18%, the first thing I'd do with any money I had would be to pay it off. It's going to be way better than any investment idea I've got."
Similarly, during a 2014 appearance on The Dave Ramsey Show, Cuban sat down with financial advisor Ramsey to discuss topics like credit cards, managing debt, and strategies for wealth accumulation. When questioned about his views on credit card usage, Cuban was blunt, stating, "If you use a credit card, you don't want to be rich," stressing that paying off credit card debt is a key element in achieving financial success.
巴菲特曾建議一位朋友："如果我欠任何18%的錢，我用的第一筆錢就會是還債。這肯定比我想出的投資主意好得多。"
同樣，在2014年參加《戴夫·拉姆齊秀》時，庫班與財經顧問拉姆齊坐下來討論話題，如信用卡、管理債務和財富積累策略。當被問及對信用卡使用的看法時，庫班直言不諱地表示，"如果你使用信用卡，那你是不想致富，" 強調償還信用卡債務是實現財務成功的關鍵要素。
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圖片來源：Shutterstock
