Shopping: How Many People Accumulate Credit Cards Into "Card Slaves"?

"We can buy points in our store, and the integral card is free of charge. Do you need one?"

Many consumers can often hear such inquiries when shopping. Because free processing is quite attractive, many consumers will do their own cards.

However, because some businesses do not regulate the operation and some consumers earn points instead of rational shopping, the free scorecard is easier to accumulate.

Integral card "circle" consumers

Unlike the existing discounted VIP cards, the use of scorecards is often the amount of money that consumers buy in the form of integration. When a certain amount is reached, cardholders can receive gifts from merchants.

As the "full supply" wind of shopping malls weaken, integral consumption begins to flourished in Yongcheng, which is large enough for banks, shopping malls, supermarkets, small restaurants and clothing stores.

Miss Wang has more than 10 cards with integral functions at hand. As the scorecard encourages people to spend more money, Miss Wang finds herself gradually becoming a "card slave": when shopping, she tries to use the bank card as far as possible without cash, because she can get points based on the amount of consumption. In Miss Wang's view, it is necessary to spend money, and cash and credit cards are not much different for her.

Miss Wang often buys clothes to a foreign trade shop with points, because it can enjoy 200 yuan deduction in 10 times.

Of course, Miss Wang sometimes regrets, because the temptation to score, the clothes she bought is not actually fit.

She admitted that because of the score, she had a tendency to irrational consumption to some extent.

Three problems of integral card

The author finds that due to information asymmetry, the card gives consumers a lot of trouble.

Plagued one: integral automatic zero or half reduction

Miss Zhang's credit card accumulated a maximum of more than 20 thousand points in the form of 1 cents per 1 yuan spent. However, she found that these points were suddenly reduced by half. The bank staff told her that the credit card score of the bank needs to be exchanged every year. If it hadn't been exchanged, those points would be reduced by half after the end of second March.

Similarly, many consumers reflected to the author that the consumption points of a large supermarket in our city were emptied at the end of June. Although supermarkets used poster announcements in the shop, consumers missed the exchange because they did not notice.

Trouble two: heavy integration light gifts

The author found that a cosmetics store in our city stipulates that when consumers spend 600 yuan on a one-time consumption in the store, they can become members and enjoy consumption points. Each consumer spends 1 yuan to accumulate 1 points. If they are not exchanged, they will be effective in 3 years.

According to the store's stipulation, only 2000 points or more points can get a return gift, and the gift is just a bottle of 40 yuan worth of shower gel, and consumers reflect that the gift is "light".

Trouble three: bonus points need to be increased.

Ms. Wang, a member of the public, who was in a supermarket to participate in the exchange of member points, was told that the gift dolls could not be collected free of charge, and that it was necessary to pay 6 yuan for enough points before they could be repurchased.

Ms. Wang thought that the doll was not what she needed. If she received it free of charge, she would accept it, but now it is not worth it to buy another gift that she does not need at all.

She thinks that this kind of integral replacement has the suspicion of compulsory consumption.

Don't spend money on points.

Exchanging gifts with integral points seems like extra gifts, but in fact, because of irrational consumption of some consumers, it is easy to lead the shopping mentality for points.

Psychological experts have analyzed the phenomenon of consumers' blind integration for obtaining gifts from businessmen. Psychologists believe that when people want to "take advantage", they want to get only one-sided and temporary interests, and often forget their real needs.

It is easy for people to buy things out of order in order to get enough points. This mode of consumption can easily bring waste to consumers.

For this reason, insiders remind consumers not to lose rationality and self-control for a little "temptation".