Poll: 71% of Russians do not need a credit card

The majority of Russians (71%) refused to open a credit card if such a proposal would be received from the bank. Responded positively to only 15% of the population. A 7% of respondents already have a bank credit card. These are the results of the nationwide survey conducted by the National agency of financial researches (NAFI) in April 2011 goda.Naibolee common reasons for refusal of registration of credit cards - no need for extra money or a sufficient level of earnings - about a third of Russians said. Almost a fifth of respondents (17%) rejected calls by credit card - too high interest rates. Another 11% do not borrow at all. A 9% explained its rejection of a credit card the lack of sufficient funds to repay debt. Mistrust of banks as a whole constrains on the credit card processing 8% of Russians. Age and health condition will prevent the proposal to use the bank and open a credit card 3% of Russians. Do not know how to use a credit card, and therefore reject it for only 2%. Another possible reason for the refusal of credit may also be a negative experience of using this banking service in the past. However, the poll showed that such a little - less than 1% of the respondents. Could not explain the reason for refusing the offer of the bank to open a credit card 18% of respondents. The survey NAFI was interviewed 1600 people in 140 villages in 42 regions of Russia. Statistical error does not exceed 3,4%.