尼迪‧烏帕迪亞亞: 信用卡簡史

信用卡簡史

現今，信用卡是價值每年五千億美金的產業。銀行在決定是否核准貸款時，會考慮信用分數，促使客戶想擁有多張信用卡。這種借貸制度的起源為何？怎麼變得這麼普及？尼迪‧烏帕迪亞亞要來探討信用卡在美國的歷史。

導演：傑夫‧雷‧巴爾 (JetPropulsion.space)
旁白：貝瑟妮‧卡特摩爾—史考特
音樂：薩里爾‧巴亞尼 (cAMP Studio)

Credit cards began as a clever solution for forgotten cash, but quickly evolved into a powerful financial force. What started with a cardboard card in 1949 exploded into a $500 billion industry, driven by interest payments and aggressive marketing. Today, most users do not pay their full balance each month, leading to mounting debt that surpassed $1 trillion in the US by the end of 2023. The journey from novelty to necessity has brought both flexibility and lasting financial consequences.