クレジットカードのショッピング枠と総量規制について

美容

総量規制が定められ、キャッシングの使いすぎを予防するようになりましたが、クレジットカードは総量規制が該当するでしょうか。

総量規制は、ローンやキャッシングを利用する時に、年収の1/3をオーバーする支払い額にならないようにするというものです。

総量規制には対象となるローンと対象にはならないローンとがあり、消費者金融のカードローンは対象になります。

住宅を購入する時に利用する住宅ローンなど、銀行から借りる時には総量規制は無関係ですので、銀行の判断次第でお金を借りられます。

スポンサーリンク

肝心のクレジットカードですが、ショッピング機能を用いた時は、総量規制があてはまりません。

クレジットカードのショッピング枠でいくら利用していても、総量規制でいうところの借入金額にはならないのです。

法律で総量規制が設けられたのは、返済不能による債務整理が必要になる人がたくさんいたからです。

クレジットカードのショッピング機能もいわば借金の一部であり、期日になったら支払わなければいけません。

いくらクレジットカードでのショッピング枠が、総量規制の対象にはならないからといって、過剰な借入をする事だけは控えておきましょう。

月々の支払い負担が大きくならないようにリボルビング払いにする人もいますが、リボ払いは手数料を上乗せして精算しています。

また、クレジットカードのキャッシング機能を用いてお金を借りていると、総量規制が適用されますので気をつけましょう。

現金が無くてもショッピングできるクレジットカードは大変便利なものですが、計画的に活用することが大切です。

スポンサーリンク

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