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2024년 한국신용정보원에 따르면, 소액결제 연체로 인한 신용조회 비중이 전년 대비 15% 증가했습니다. 많은 이들이 대출이나 카드 연체만을 위험하게 여기지만, 실제로는 일상 속 작은 결제들이 쌓여 ‘신용 침식’이라는 더 교묘한 위험을 초래하고 있습니다. 이는 단순한 금전적 손실을 넘어, 미래의 대출 자격과 금리를 좌우하는 신용등급을 서서히 무너뜨리는 과정입니다. 보이지 않는 함정: 소액결제 신용 침식의 메커니즘 소액결제는 심리적으로 […]
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