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港人持信用卡量急升 調查：男為回贈 女為里數
15 Nov 2018



即使近年電子錢包發展蓬勃，當中亦發生過不少使用者遺失資料損失財物的意外。而除了現金外，相信不少市民會視信用卡為最安全、最有保障的付費渠道。銀行為了吸引人使用其發行的信用卡，都會以各式各樣的迎新及續期優惠作招徠。然而，不少香港市民在得到了優惠及贈送的禮品後，根本沒有充分使用過信用卡，造成一個人持有的信用卡數量過高的情況。金融產品平台MoneyHero.com.hk昨日發表調查，指香港人平均擁有超過5張信用卡，不但比上一年增加，亦在世界水平中佔一高位。

 


網上圖片

 

調查指出，本年香港人均持有5.3張信用卡，比去年的4.6張攀升。機構發言人指，這個數量在美國及英國等地亦不可能看見：「美國人平均只有2.6張。」但他又指，持續信用卡數量與個人信貸評級沒有關係，但呼籲香港信用卡用家注意理財。至於不同性別用家選擇信用卡的理由方面，數據指，女性對於選擇提供餐飲優惠及記錄飛行里數的信用卡的比率高於男性不少，而現金回贈及網上購物優惠則是男性比女性更常作為選擇信用卡的準則。

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