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– I have a credit card that I use on everything because I earn points on SAS. Because I love to travel, says Marlene Fløysvik, at the Madla Amfi shopping center in Stavanger
In 2017, we again registered the Norwegians using credit cards – we spent a total of NOK 336 billion. This is a seven percent increase.
One of the reasons for this increase is that customers have removed the credit card in favor of the credit card. This to collect bonuses and other discounts.
Jorge Jensen, CFO of Finance, is working to put in place a ban on credit card bonus systems in the new finance convention.
Photo: Vegard Grøtt / NTB scanpix [19659007] The Consumer Council will now ban bonus systems on credit cards.
– Such premium schemes stimulate the use of credit cards over other cards, further stimulating the recovery of receivables. The International Monetary Fund, the World Bank and Norges Bank both stressed that the debt of Norwegian households was too large, "says Jorge Jensen, chief financial officer of the Consumer Council.
– It covers credit
It's a problem for most people.
– But it's a minority that struggles with. It may be vulnerable consumers who have bad debt conditions, "says Jensen
.He believes that a ban could be in place in a short period of time.The government is working on a new finance law, which should be dealt with by the Storting during the course of the year.
– The Consumers Council is working for the government in a new financial agreement to include a ban on additional credit card services Finance Norway Tom Staavi likes nothing about the proposal.
Tom Staavi, Director of Information Finance Norway.
Photo: CF Wesenberg / Finance Norway
– Most people get away with it. They use their credit card and pay the bill when it arrives. If you can also get a bonus on an airline and other types of discounts, like discounts on gasoline, then it's a nice and orderly way to get prices less high for the goods you buy.
– Debt does not increase sharply
Staavi points out that even though the use of credit cards has risen sharply, the outstanding credit cards have not increased. not increased as much
– This means that most people use their credit card or pay them in no time, he says
The government wishes, with the new financial agreement, to facilitate the reduction in the number of points termination in case of serious debt problems. One of the suggestions is that it is no longer possible to give credit to customers unless they have sufficient payment capacity.
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