ການຜ່າຕັດສະເຫນີບັດເຄດິດ

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ຂ້າພະເຈົ້າສະເຫມີໄປຫຼາຍກ່ວາບໍ່ຄ່ອຍເຊື່ອງ່າຍໆພຽງເລັກນ້ອຍກ່ຽວກັບສັນຍານທີ່ຮ້ອງອອກ “ເປີເຊັນ Zero ທີ່ຫນ້າສົນໃຈ” ຫຼື “Flat ຫ້າສິບເປີເຊັນປິດ”. ຄວາມຄິດພຽງແຕ່ວ່າທີ່ເນັ້ນໂດຍຜ່ານຈິດໃຈຂອງຂ້າພະເຈົ້າຢູ່ໃນເວລາທີ່ແມ່ນ: “ແມ່ນຈັບໄດ້ຢູ່ໃສ?” ມີປົກກະຕິແລ້ວແມ່ນຈັບ. ຄໍາຖາມແມ່ນ: ບໍ່ຈັບໄດ້ຊະນະສັດຕູໄດ້ຜົນປະໂຫຍດ? ນັ້ນແມ່ນຄໍາຖາມທີ່ຂ້າພະເຈົ້າຈະຖາມຕົນເອງພຽງແຕ່ກ່ອນທີ່ຈະຂ້າພະເຈົ້າຊື້ບັດເຄຣດິດໃຫມ່ຫຼືເຂົ້າຂາຍເປັນ. ຂ້າພະເຈົ້າປົກກະຕິແລ້ວພົບວ່າຈັບແມ່ນຫລາຍສົມຄວນສໍາຄັນໃນເວລາທີ່ທ່ານສົມທຽບມັນກັບຮູບພາບຂະຫນາດໃຫຍ່. I usually have a lot of these cynical moments when I am on the lookout for a new credit card. It seems to me that there are too many great offers going. It is as though they are too eager to sell me those credit cards. Why is there so much enthusiasm? ຂ້ອຍ​ຫມາຍ​ຄວາມ​ວ່າ, why would a company offer something like interest free credit cards? What is in it for them? And what about the zero percent balance transfer credit cards? What is the deal with them? ດີ, I think once you do away with the skepticism, you find that most of these offers are more or less true to what they say. Most interest free credit cards provide a deal where you don’t have to pay interest for a given number of months. ຫລັງ​ຈາກ​ນັ້ນ, credit card companies are bogged down by immense competition. Each has to attract more customers than its nearest rival. The same logic holds with 0% balance transfer credit cards. The credit card companies want to do business with you. They want to sell you their credit cards. So they have to take the help of gimmicks like this to win you over to their side. ໃນ​ຄວາມ​ເປັນ​ຈິງ, balance transfer credit cards are a prime example of how credit card companies lure away the customers of other credit card companies. How does this work? Suppose you have a credit card with one company but wish you could get a different credit card that charges a different rate of interest, you could consider getting a hold of a balance transfer credit card. And there will be lots of cards that make you offers that you will not want to refuse. Competition is everything in the world of today. Everyone is in the rat race to make more business, and everyone is in the rat race to win. So even though you should not be taking offers like “ເປີເຊັນ Zero ທີ່ຫນ້າສົນໃຈ” at face value, remind yourself that you are a potential customer. ໃນມື້ນີ້ແລະອາຍຸສູງສຸດ, it is the customer who is the king! ການຜ່າຕັດສະເຫນີບັດເຄດິດ


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