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  • When you begin this journey, you're going to have so many people telling you that it's just not possible to live without debt, and especially without a credit card.


  • Friends are going to tell you that.


  • Family's going to tell you that.


  • Commercials are going to tell you that.


  • But let me give you some truth about credit cards.


  • There are currently 459 million credit cards in circulation today.

    現在流通しているクレジットカードは 4 億 5900 万枚あります。

  • And only 327 million people living in America!

    そして 3億 2700 万人しかアメリカに住んでいません!

  • That's like 132 million extra cards that are not assigned to a person, but they're floating around.

    つまり、 1 億 3,200 万枚の余分なカードが誰のものでもなく浮いているようです。

  • But they are assigned to people, because the average person carries four credit cards.

    しかし、平均的な人はクレジットカードを 4 枚持っているので、誰かのものであることになります。

  • 68% of people who use their credit cards said they use it on things that they need.

    クレジットカードを使う人の 68 %が、必要なことに対して使うと答えています。

  • But the most common type of credit card are the ones they sell you at retail stores.


  • Yes, 41% of people have store specific credit cards.

    そう、 41 %の人が特定のお店用のクレジットカードを持っているのです。

  • And last I checked, not many emergencies can happen where J.Crew swoops in and solves your problems.


  • Maybe a fashion emergency, but no other emergency.


  • Store credit cards, actually you guys, they are the worst you can get.


  • Their interest rates are nearly double of traditional credit cards.

    金利は従来のクレジットカードの約 2 倍です。

  • So let's just assume that you accumulate $1,000 of debt on a store credit card.

    ですので、仮に 1,000 ドルの借金がお店のクレジットカードに蓄積するとしましょう。

  • This is actually way lower of a balance than the average American, but it's just a nice round number.


  • I'm going to give you the benefit of the doubt.


  • And let's say you pay two times the minimum payment every month on your balance.

    では、毎月に残高における最低支払額の 2倍 を払っているとします。

  • For a store credit card with a 25% interest rate, it's going to take you 27 months and cost you $307 in interest to pay off that balance.

    金利が 25 %であるお店のクレジットカードの場合、27 ヶ月間でその残高を返済するのに 307 ドルの利息がかかります。

  • So let's say you signed up for that credit card when they said, "Would you like to save 15% on your purchase today?"

    そのクレジットカードに申し込んだとして、「今日のお買い物では 15%割引にしますか?」と言われ、

  • And you said, "yes!"


  • And let's assume that you spent that whole $1,000 we talked about earlier when you signed up for that store credit card.

    そのお店のクレジットカードを契約した時に、先ほど話した 1,000 ドルをまるまる使ったと仮定してみましょう。

  • Which is pretty unlikely, but let's just say you did.


  • That 15% saves you $150.

    15 %の割引で 150 ドル節約したことになります。

  • But you end up spending $307 in interest.


  • Guys, let it sink in.


  • It's just math, people.


  • And then you look at the facts and the profits from places like Macy's.


  • Macy's credit cards make up nearly 40% of their businesses.

    メイシーズのクレジットカードは事業のほぼ 40 %を占めています。

  • And stores like Kohl's and Macy's, they actually pay their employees for each credit card application they get.


  • It doesn't even matter if the application is approved.


  • The employees get a commission for just getting someone to sign up for a credit card.


  • And some stores even threaten to take away hours from employees who are not signing up enough people for credit cards.


  • It's a huge problem.


  • And you guys, I know a lot of people who sign up for credit cards with really good intentions.


  • They do it for the points, because they think they can pay it off every month, but it's just not the reality.


  • Only 45% of people pay off their credit card balances every month.

    クレジットカードの残高を毎月返済している人はたった 45 %です。

  • And there's $784 billion in outstanding credit card debt out there.


  • Half of Americans are not paying off their credit card bill.


  • So the bottom line is: credit cards are not going to help you build wealth.


  • They're actually going to steal it.


  • Because again, I said it earlier, at the top of this episode, but it's true.


  • So many people say, "Well I'm going to get a credit card to build my credit, so that I can buy a house."


  • But you actually don't need a credit score to buy a house.


  • It is possible.


When you begin this journey, you're going to have so many people telling you that it's just not possible to live without debt, and especially without a credit card.



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A2 初級 日本語 クレジット カード 残高 返済 ドル 従業

誰も教えてくれないクレジットカードの真実 (The Truth About Credit Cards That No One Is Telling You)

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    Lian に公開 2021 年 01 月 14 日