{"id":4548,"date":"2018-11-27T09:01:42","date_gmt":"2018-11-27T17:01:42","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=4548"},"modified":"2019-01-27T20:35:11","modified_gmt":"2019-01-28T04:35:11","slug":"consumer_creditcard","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/consumer_creditcard\/","title":{"rendered":"\u6d88\u8cbb\u8005\u3068\u3057\u3066\u306e\u30dd\u30ea\u30b7\u30fc\uff1a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5834\u5408\u3067\u8003\u3048\u308b"},"content":{"rendered":"<p>\u30a2\u30e1\u30ea\u30ab\u3082\u65e5\u672c\u3082\u8cc7\u672c\u4e3b\u7fa9\u3067\u3042\u308a\u3001\u6d88\u8cbb\u793e\u4f1a\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u305d\u306e\u4e2d\u3067\u52b4\u50cd\u8005\u3067\u3042\u308a\u3001\u7d4c\u55b6\u8005\u3067\u3042\u308a\u3001\u6d88\u8cbb\u8005\u3067\u3042\u308a\u3068\u3044\u304f\u3064\u304b\u306e\u51a0\u3092\u304b\u3076\u3063\u3066\u751f\u6d3b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u4ed5\u4e8b\u3092\u6301\u3063\u3066\u3044\u306a\u3044\u4eba\u3082\u3001\u7d4c\u55b6\u3092\u3057\u3066\u3044\u306a\u3044\u4eba\u3082\u3001\u307b\u3068\u3093\u3069\u306e\u5834\u5408\u6d88\u8cbb\u8005\u3067\u3042\u308b\u3053\u3068\u306f\u514d\u308c\u307e\u305b\u3093\u3002\u4f55\u3089\u304b\u306e\u30b5\u30fc\u30d3\u30b9\u306a\u308a\u3001\u7269\u306a\u308a\u3092\u6d88\u8cbb\u3057\u306a\u304c\u3089\u751f\u304d\u3066\u3044\u307e\u3059\u3002\u4f01\u696d\u306f\u6d88\u8cbb\u3055\u305b\u308b\u305f\u3081\u3001\u3067\u304d\u308b\u3060\u3051\u8cb7\u3063\u3066\u3082\u3089\u3046\u305f\u3081\u306b\u591a\u304f\u306e\u30a8\u30cd\u30eb\u30ae\u30fc\u3092\u8cbb\u3084\u3057\u3001\u30ad\u30e3\u30c3\u30c1\u2015\u306a\u5ba3\u4f1d\u3001\u5de7\u307f\u306b\u633f\u5165\u3055\u308c\u305f\u30aa\u30f3\u30e9\u30a4\u30f3\u5e83\u544a\u3001\u7121\u610f\u8b58\u306b\u50cd\u304d\u304b\u3051\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u306a\u3069\u3067\u50cd\u304d\u304b\u3051\u3066\u304d\u307e\u3059\u3002\u305d\u3093\u306a\u4e2d\u3001\u4f01\u696d\u306b\u4e00\u65b9\u7684\u306b\u64cd\u3089\u308c\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u6d88\u8cbb\u8005\u3068\u3057\u3066\u81ea\u5206\u306e\u7acb\u3061\u4f4d\u7f6e\u3092\u6c7a\u3081\u3001\u4f01\u696d\u306e\u63d0\u4f9b\u3057\u3066\u304f\u308b\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u304c\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u3084\u81ea\u5206\u306e\u4fa1\u5024\u89b3\u306b\u5408\u3046\u306e\u304b\u3092\u541f\u5473\u3059\u308b\u3088\u3046\u306a\u30d7\u30ed\u30a2\u30af\u30c6\u30a3\u30d6\u306a\u59ff\u52e2\u304c\u5927\u5207\u3067\u306f\u306a\u3044\u304b\u3068\u601d\u3044\u307e\u3059\u3002\u4eca\u65e5\u306f\u305d\u3093\u306a\u3053\u3068\u306b\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u4f8b\u3092\u3068\u308a\u306a\u304c\u3089\u601d\u3044\u3092\u5de1\u3089\u3057\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u3069\u306e\u30bf\u30a4\u30d7\u306e\u300c\u5229\u76ca\u300d\u306b\u306a\u308b\u306e\u304b<\/h1>\n<p>\u4f01\u696d\u306e\u76ee\u7684\u306f\u5229\u76ca\u306e\u6700\u5927\u5316\u3067\u3059\u3002\u201cHappy Customer\u201d\u3068\u304b\u3001\u201dSocially Responsible\u201d\u3068\u304b\u3044\u308d\u3044\u308d\u306a\u30b9\u30ed\u30fc\u30ac\u30f3\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u3089\u3082\u4f01\u696d\u306e\u30dd\u30b8\u30b7\u30e7\u30cb\u30f3\u30b0\u3092\u3046\u307e\u304f\u3068\u3063\u3066\u3044\u308b\u3060\u3051\u306e\u8a71\u3067\u3001\u7a81\u304d\u8a70\u3081\u308c\u3070\u5229\u76ca\u3092\u4e0a\u3052\u308b\u3053\u3068\u304c\u6700\u7d42\u76ee\u7684\u3067\u3059\u3002<\/p>\n<p>\u4f01\u696d\u306e\u53ce\u76ca\u306e\u4e0a\u3052\u65b9\u306f\u4f55\u3082\u4e00\u3064\u3067\u306f\u306a\u304f\u3001\u591a\u7a2e\u591a\u69d8\u306e\u30b5\u30fc\u30d3\u30b9\u3084\u5546\u54c1\u3092\u63d0\u4f9b\u3057\u3066\u5229\u76ca\u3092\u4e0a\u3052\u3066\u3044\u307e\u3059\u306d\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306e\u5834\u5408\u306e\u53ce\u76ca\u306e\u30ab\u30c6\u30b4\u30ea\u30fc\u306f\u4e0b\u306e\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<table width=\"576\">\n<thead>\n<tr>\n<td width=\"319\">Interest Income\uff1a\u6bce\u6708\u6b8b\u9ad8\u3092\u652f\u6255\u3044\u5207\u3089\u306a\u3044\u5834\u5408\u306b\u3001\u6b8b\u9ad8\u306b\u304b\u304b\u308b\u5229\u5b50\u304b\u3089\u306e\u53ce\u76ca<\/td>\n<td width=\"168\">$63.4 billion<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"319\">Interchange income\uff1a\u9867\u5ba2\u304c\u8cb7\u3044\u7269\u3092\u3057\u305f\u3068\u304d\u306b\u3001\u304a\u5e97\u5074\u304c\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u6255\u30462.0\uff05\u304b\u30892.5\uff05\u7a0b\u5ea6\u306e\u624b\u6570\u6599\u53ce\u76ca<\/td>\n<td width=\"168\">$42.4 billion<\/td>\n<\/tr>\n<tr>\n<td width=\"319\">Cash advance fees\uff1a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u73fe\u91d1\u3092\u501f\u308a\u308b\u3068\u304d\u306b\u304b\u304b\u308b\u624b\u6570\u6599\uff08\u501f\u308a\u305f\u984d\u306e5\uff05\u7a0b\u5ea6\uff09\u53ce\u76ca<\/td>\n<td width=\"168\">$26.6 billion<\/td>\n<\/tr>\n<tr>\n<td width=\"319\">Annual fees\uff1a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5e74\u4f1a\u8cbb\u53ce\u76ca<\/td>\n<td width=\"168\">$12.5 billion<\/td>\n<\/tr>\n<tr>\n<td width=\"319\">Penalty fees\uff1a\u652f\u6255\u3044\u9045\u5ef6\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u9650\u5ea6\u3092\u30aa\u30fc\u30d0\u30fc\u3057\u305f\u5834\u5408\u306a\u3069\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u53ce\u76ca<\/td>\n<td width=\"168\">$12 billion<\/td>\n<\/tr>\n<tr>\n<td width=\"319\">Enhancement income\uff1a\u4fdd\u967a\u306a\u3069\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306b\u8ffd\u52a0\u3067\u304d\u308b\u30b5\u30fc\u30d3\u30b9\u304b\u3089\u306e\u58f2\u308a\u4e0a\u3052\u53ce\u76ca<\/td>\n<td width=\"168\">$6.3 billion<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>\u3053\u306e\u53ce\u76ca\u306e\u3046\u3061\u306e\u3001\u81ea\u5206\u306f\u3069\u306e\u300c\u5229\u76ca\u300d\u306b\u5c5e\u3059\u308b\u306e\u304b\uff1f\u30fb\u30fb\u30fb\u3092\u8003\u3048\u3066\u307f\u308b\u3068\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3068\u306e\u4ed8\u304d\u5408\u3044\u65b9\u3082\u5c11\u3057\u5909\u308f\u3063\u3066\u304f\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306e\u6700\u3082\u5927\u304d\u306a\u53ce\u76ca\u6e90\u306f\u3001\u4e00\u756a\u4e0a\u306eInterest Income\uff08\u5229\u5b50\uff09\u3067\u3059\u3002\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u3001\u304a\u8ca1\u5e03\u306e\u3061\u3087\u3063\u3068\u82e6\u3057\u3044\u6642\u306e\u30ed\u30fc\u30f3\u6e1b\u3068\u3057\u3066\u307f\u306a\u3057\u3066\u3044\u308b\u4eba\u306f\u3001\u3053\u3053\u306e\u300c\u5229\u76ca\u300d\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u8a08\u753b\u7684\u306b\u4f7f\u3063\u3066\u3044\u306a\u3044\u3068\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u9650\u5ea6\u3092\u8d85\u3048\u305f\u308a\u3001\u652f\u6255\u3044\u304c\u9045\u308c\u305f\u308a\u3001\u30c1\u30a7\u30c3\u30af\u304c\u30d0\u30a6\u30f3\u30b9\u3057\u305f\u308a\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u73fe\u91d1\u3092\u4e0b\u308d\u3057\u305f\u308a\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u3064\u306a\u304c\u308a\u3001\u305d\u3046\u3059\u308b\u3068Penalty\u3084Cash Advance \u306e\u5229\u76ca\u306b\u3082\u8ca2\u732e\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u9867\u5ba2\u306f\u5927\u304d\u306a\u53ce\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u304f\u308c\u308b\u306e\u3067\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u3068\u3063\u3066\u3068\u3066\u3082\u5927\u5207\u306a\u5b58\u5728\u3067\u3059\u3002<\/p>\n<p>\u53cd\u9762\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306f\u304a\u91d1\u3092\u501f\u308a\u308b\u30c4\u30fc\u30eb\u3068\u306f\u307f\u306a\u3055\u305a\u3001\u30c1\u30e3\u30fc\u30b8\u3057\u305f\u6b8b\u9ad8\u306f\u6bce\u6708\u652f\u6255\u3044\u5207\u308b\u30bf\u30a4\u30d7\u306e\u9867\u5ba2\u306f\u3001\u591a\u304f\u306eInterchange Income\uff08\u304a\u5e97\u5074\u306e\u624b\u6570\u6599\uff09\u3092\u751f\u3080\u306e\u3067\u305d\u306e\u53ce\u76ca\u6e90\u306b\u306f\u306a\u308a\u307e\u3059\u304c\u3001\u3053\u306e\u5834\u5408\u306f\u304a\u5e97\u5074\u304c\u624b\u6570\u6599\u3092\u6255\u3046\u308f\u3051\u3067\u9867\u5ba2\u5074\u306f\u4e00\u92ad\u3082\u652f\u6255\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3002Interchange Income\u3082\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u3068\u3063\u30662\u756a\u76ee\u306b\u5927\u304d\u306a\u53ce\u76ca\u6e90\u306a\u306e\u3067\u3001\u305d\u308c\u3092\u751f\u3080\u9867\u5ba2\u306f\u5927\u5207\u306a\u5b58\u5728\u3067\u306f\u3042\u308b\u3082\u306e\u3001\u9867\u5ba2\u306e\u304a\u8ca1\u5e03\u306f\u75db\u307e\u306a\u3044\u3068\u3044\u3046\u7279\u5fb4\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3042\u306a\u305f\u306f\u3069\u306e\u30bf\u30a4\u30d7\u306e\u9867\u5ba2\u3067\u3042\u308a\u3001\u3069\u306e\u30bf\u30a4\u30d7\u306e\u53ce\u76ca\u6e90\u3067\u3057\u3087\u3046\u304b\uff1f\u307e\u305f\u3001\u3069\u306e\u53ce\u76ca\u6e90\u306b\u306a\u308a\u305f\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u81ea\u5206\u306f\u3069\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\uff1f<\/h1>\n<p>\u3069\u3046\u3044\u3046\u30bf\u30a4\u30d7\u306e\u9867\u5ba2\u306b\u3069\u3044\u3046\u3044\u3046\u5546\u54c1\u3092\u58f2\u308a\u3001\u3069\u306e\u3088\u3046\u306b\u5229\u76ca\u3092\u6700\u5927\u5316\u3059\u308b\u304b\u3068\u3044\u3046\u6226\u7565\u306b\u4f01\u696d\u306f\u5fc3\u3092\u7815\u304d\u307e\u3059\u3002\u9867\u5ba2\u306e\u30bf\u30a4\u30d7\u306b\u3088\u308a\u30b0\u30eb\u30fc\u30d7\u5316\u3057\u3066\u6226\u7565\u3092\u8003\u3048\u308b\u306e\u3092\u30bb\u30b0\u30e1\u30f3\u30c6\u30fc\u30b7\u30e7\u30f3\uff08\u30bb\u30b0\u30e1\u30f3\u30c8\u5316\uff09\u306a\u3069\u3068\u3082\u547c\u3073\u307e\u3059\u304c\u3001\u5546\u54c1\u958b\u767a\u3001\u30b5\u30fc\u30d3\u30b9\u63d0\u4f9b\u3001\u5ba3\u4f1d\u3001\u56f2\u3044\u8fbc\u307f\u306a\u3069\u306a\u3069\u3001\u305d\u308c\u305e\u308c\u9867\u5ba2\u30bb\u30b0\u30e1\u30f3\u30c8\u3054\u3068\u306b\u6700\u9069\u5316\u3057\u305f\u3057\u304b\u3051\u3092\u3057\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u6d88\u8cbb\u8005\u3067\u3042\u308b\u79c1\u305f\u3061\u3068\u3057\u3066\u306f\u3001\u3053\u306e\u8003\u3048\u3092\u9006\u624b\u306b\u3068\u3063\u3066\u3001\u3053\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306e\u3046\u3061\u306e\u3069\u308c\u306b\u81ea\u5206\u304c\u306a\u308a\u305f\u3044\u304b\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u3092\u8003\u3048\u3066\u307f\u308b\u3068\u3001\u305d\u308c\u305e\u308c\u306e\u30d3\u30b8\u30cd\u30b9\u3068\u306e\u3088\u308a\u9069\u5207\u306a\u4ed8\u304d\u5408\u3044\u65b9\u304c\u308f\u304b\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u305f\u3068\u3048\u3070\u3001\u3068\u3042\u308b\u30b3\u30f3\u30b5\u30eb\u30c6\u30a3\u30f3\u30b0\u4f1a\u793e\u304c\u884c\u3063\u305f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u696d\u754c\u306e\u305f\u3081\u306e\u9867\u5ba2\u30bb\u30b0\u30e1\u30f3\u30c6\u30fc\u30b7\u30e7\u30f3\u3092\u898b\u3066\u307f\u307e\u3057\u3087\u3046\u3002\uff11\uff09\uff5e\uff15\uff09\u306e\uff15\u3064\u306e\u30bf\u30a4\u30d7\u306b\u9867\u5ba2\u3092\u5206\u3051\u3066\u3044\u307e\u3059\u3002\u30c7\u30fc\u30bf\u306f\u4ee5\u4e0b\u306e\u3068\u304a\u308a\u3002<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4552\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/10\/credit-segmentation.png?resize=810%2C317&#038;ssl=1\" alt=\"\" width=\"810\" height=\"317\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/10\/credit-segmentation.png?w=899&amp;ssl=1 899w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/10\/credit-segmentation.png?resize=300%2C117&amp;ssl=1 300w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2018\/10\/credit-segmentation.png?resize=768%2C301&amp;ssl=1 768w\" sizes=\"auto, (max-width: 810px) 100vw, 810px\" \/><\/p>\n<p>\u5404\u30bb\u30b0\u30e1\u30f3\u30c8\u306e\u8aac\u660e\u306f\u3053\u3093\u306a\u3075\u3046\u3067\u3059\u30fb\u30fb<\/p>\n<p>&nbsp;<\/p>\n<h2>1) \u5bcc\u88d5\uff06\u9ad8\u6e80\u8db3\u5ea6\u30bb\u30b0\u30e1\u30f3\u30c8<\/h2>\n<p>\u5bb6\u8a08\u7ba1\u7406\u304c\u3067\u304d\u3066\u304a\u308a\u3001\u652f\u51fa\u306e\u5927\u90e8\u5206\u3067\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3092\u5229\u7528\u3057\u3001\u30dd\u30a4\u30f3\u30c8\u3084\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u306a\u3069\u306e\u30ea\u30ef\u30fc\u30c9\u3092\u671b\u3080\u3002\u6bce\u6708\u6b8b\u9ad8\u306f\u652f\u6255\u3044\u5207\u308a\u3001\u30ea\u30dc\u6255\u3044\u306e\u9ad8\u5229\u5b50\u30ed\u30fc\u30f3\u3092\u5acc\u3046\u3002\u81ea\u52d5\u652f\u6255\u3044\u3092\u30bb\u30c3\u30c8\u3057\u3001\u7c21\u5358\u30fb\u697d\u30fb\u4fbf\u5229\u3092\u597d\u3080\u3002\u6700\u3082\u9ad8\u53ce\u5165\u30fb\u9ad8\u8cc7\u7523\u30ec\u30d9\u30eb\u3092\u8a87\u308b\u3002<\/p>\n<p>\u3053\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306e\u3082\u305f\u3089\u3059\u5229\u76ca\u306f\u3001\u4e0a\u306eInterchange Income(\u304a\u5e97\u304c\u6255\u3046\u624b\u6570\u6599)\u3067\u3001\u3053\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u3092\u5f15\u304d\u4ed8\u3051\u308b\u305f\u3081\u306b\u306f\u3001\u30ea\u30ef\u30fc\u30c9\u63d0\u4f9b\u304c\u6b20\u304b\u305b\u306a\u3044\u3002\u307e\u305f\u3001\u3053\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306f\u9ad8\u5229\u5b50\u30ed\u30fc\u30f3\u306f\u5acc\u3046\u3082\u306e\u306e\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u8eca\u3084\u30a2\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306a\u3069\u9ad8\u984d\u306e\u5546\u54c1\u3092\u8cfc\u5165\u3057\u3001\u7c21\u5358\u304b\u3064\u81ea\u52d5\u7684\u306b\u4f4e\u91d1\u5229\u30ea\u30dc\u6255\u3044\u3092\u53ef\u80fd\u306b\u3059\u308b\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u3092\u63d0\u4f9b\u3059\u308b\u3068\u6709\u610f\u7fa9\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>2)\u7279\u5178\u3092\u8ffd\u3044\u304b\u3051\u308b\u30bb\u30b0\u30e1\u30f3\u30c8<\/h2>\n<p>\u3042\u308b\u7a0b\u5ea6\u306e\u30ea\u30dc\u6255\u3044\u6b8b\u9ad8\u3092\u6301\u3063\u3066\u304a\u308a\u3001\u5e38\u306b\u6700\u4f4e\u306e\u5229\u5b50\u3092\u78ba\u4fdd\u3059\u308b\u305f\u3081\u306b\u30d0\u30e9\u30f3\u30b9\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3092\u7e70\u308a\u8fd4\u3059\u30b0\u30eb\u30fc\u30d7\u3002\u3053\u306e\u30b0\u30eb\u30fc\u30d7\u306f\u3001\u30ea\u30dc\u6255\u3044\u6b8b\u9ad8\u3092\u62b1\u3048\u3066\u3044\u308b\u3082\u306e\u306e\u3001\u5bb6\u8a08\u7ba1\u7406\u306f\u3057\u3063\u304b\u308a\u3059\u308b\u30bf\u30a4\u30d7\u3067\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u8ca0\u50b5\u3082\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u3066\u3044\u308b\u3068\u611f\u3058\u3066\u304a\u308a\u3001\u30ab\u30fc\u30c9\u7279\u5178\u306b\u3064\u3044\u3066\u6700\u3082\u81ea\u5206\u306b\u3068\u3063\u3066\u6709\u5229\u306a\u3082\u306e\u3092\u8ffd\u3044\u304b\u3051\u308b\u3002Co-brand card\uff08\u30c7\u30d1\u30fc\u30c8\u3001\u30ac\u30bd\u30ea\u30f3\u3001\u30a8\u30a2\u30e9\u30a4\u30f3\u4f1a\u793e\u306a\u3069\u306e\u304a\u5e97\u5074\u3068\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u3068\u306e\u4e8c\u3064\u306e\u30d6\u30e9\u30f3\u30c9\u304c\u3064\u3044\u305f\u30ab\u30fc\u30c9\uff09\u3092\u5229\u7528\u3057\u305f\u308a\u3001\u5e74\u4f1a\u8cbb\u3092\u6255\u3046\u30ab\u30fc\u30c9\u3092\u5229\u7528\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3002\u4e0a\u306e\u5bcc\u88d5\uff06\u9ad8\u6e80\u8db3\u5ea6\u30bb\u30b0\u30e1\u30f3\u30c8\u306b\u6b21\u3044\u3067\u30012\u756a\u76ee\u306b\u9ad8\u53ce\u5165\u30fb\u9ad8\u6240\u5f97\u3067\u3042\u308b\u3002<\/p>\n<p>\u3053\u306e\u30bb\u30b0\u30e1\u30f3\u30c8\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4f1a\u793e\u306b\u5bfe\u3057\u3066\u300c\u52dd\u3064\u304b\u8ca0\u3051\u308b\u304b\uff1d\u81ea\u5206\u304c\u5f97\u3092\u3059\u308b\u304b\u640d\u3092\u3059\u308b\u304b\u300d\u3068\u3044\u3046\u89b3\u70b9\u3067\u7269\u3092\u3068\u3089\u3048\u3066\u304a\u308a\u3001\u300c\u52dd\u3063\u3066\u3044\u308b\uff1d\u5f97\u3092\u3057\u3066\u3044\u308b\u300d\u3068\u611f\u3058\u3055\u305b\u308b\u3053\u3068\u304c\u5927\u5207\u3002\uff10\uff05APR\u30d0\u30e9\u30f3\u30b9\u30c8\u30e9\u30f3\u30b9\u30d5\u30a1\u30fc\u3084\u30dc\u30fc\u30ca\u30b9\u30ea\u30ef\u30fc\u30c9\u306a\u3069\u3001\u304a\u3044\u3057\u3044\u3068\u3053\u308d\u3060\u3051\u63b4\u3093\u3067\u3001\u4ed6\u306e\u30ab\u30fc\u30c9\u306b\u9003\u3052\u3066\u3044\u304f\u3053\u3068\u3082\u3042\u308b\u306e\u3067\u3001\u300c\u304a\u3044\u3057\u3044\u90e8\u5206\u300d\u3092\u6a5f\u3092\u898b\u3066\u63d0\u4f9b\u3057\u7d9a\u3051\u3001\u5b89\u5b9a\u3057\u305f\u30d1\u30fc\u30c8\u30ca\u30fc\u30b7\u30c3\u30d7\u3092\u7bc9\u3044\u3066\u3044\u304f\u3053\u3068\u304c\u5fc5\u8981\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>3) 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href=\"https:\/\/smartandresponsible.com\/blog\/smart_consumer1\/\" ><strong>\u8ce2\u3044\u6d88\u8cbb\u8005\u306b\u306a\u308a\u305f\u3044 \u2013 \u64cd\u4f5c\u3055\u308c\u306a\u3044\u6d88\u8cbb\uff08\uff11\uff09<\/strong><\/a><\/p>\n<p><a href=\"https:\/\/smartandresponsible.com\/blog\/smart_consumer2\/\" ><strong>\u8ce2\u3044\u6d88\u8cbb\u8005\u306b\u306a\u308a\u305f\u3044 \u2013 \u64cd\u4f5c\u3055\u308c\u306a\u3044\u6d88\u8cbb\uff08\uff12\uff09<\/strong><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30a2\u30e1\u30ea\u30ab\u3082\u65e5\u672c\u3082\u8cc7\u672c\u4e3b\u7fa9\u3067\u3042\u308a\u3001\u6d88\u8cbb\u793e\u4f1a\u3067\u3059\u3002\u79c1\u305f\u3061\u306f\u305d\u306e\u4e2d\u3067\u52b4\u50cd\u8005\u3067\u3042\u308a\u3001\u7d4c\u55b6\u8005\u3067\u3042\u308a\u3001\u6d88\u8cbb\u8005\u3067\u3042\u308a\u3068\u3044\u304f\u3064\u304b\u306e\u51a0\u3092\u304b\u3076\u3063\u3066\u751f\u6d3b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u4ed5\u4e8b\u3092\u6301\u3063\u3066\u3044\u306a\u3044\u4eba\u3082\u3001\u7d4c\u55b6\u3092\u3057\u3066\u3044\u306a\u3044\u4eba\u3082\u3001\u307b\u3068\u3093\u3069\u306e\u5834\u5408\u6d88\u8cbb\u8005\u3067\u3042\u308b\u3053\u3068\u306f\u514d\u308c\u307e\u305b\u3093\u3002\u4f55\u3089\u304b\u306e\u30b5\u30fc\u30d3\u30b9\u306a\u308a\u3001\u7269\u306a\u308a\u3092\u6d88\u8cbb\u3057\u306a\u304c\u3089\u751f\u304d\u3066\u3044\u307e\u3059\u3002\u4f01\u696d\u306f\u6d88\u8cbb\u3055\u305b\u308b\u305f\u3081\u3001\u3067\u304d\u308b\u3060\u3051\u8cb7\u3063\u3066\u3082\u3089\u3046\u305f\u3081\u306b\u591a\u304f\u306e\u30a8\u30cd\u30eb\u30ae\u30fc\u3092\u8cbb\u3084\u3057\u3001\u30ad\u30e3\u30c3\u30c1\u2015\u306a\u5ba3\u4f1d\u3001\u5de7\u307f\u306b\u633f\u5165\u3055\u308c\u305f\u30aa\u30f3\u30e9\u30a4\u30f3\u5e83\u544a\u3001\u7121\u610f\u8b58\u306b\u50cd\u304d\u304b\u3051\u308b\u30bd\u30fc\u30b7\u30e3\u30eb\u30e1\u30c7\u30a3\u30a2\u306a\u3069\u3067\u50cd\u304d\u304b\u3051\u3066\u304d\u307e\u3059\u3002\u305d\u3093\u306a\u4e2d\u3001\u4f01\u696d\u306b\u4e00\u65b9\u7684\u306b\u64cd\u3089\u308c\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u6d88\u8cbb\u8005\u3068\u3057\u3066\u81ea\u5206\u306e\u7acb\u3061\u4f4d\u7f6e\u3092\u6c7a\u3081\u3001\u4f01\u696d\u306e\u63d0\u4f9b\u3057\u3066\u304f\u308b\u5546\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u304c\u81ea\u5206\u306e\u30cb\u30fc\u30ba &hellip;<\/p>\n","protected":false},"author":1,"featured_media":3980,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"\u6d88\u8cbb\u8005\u3068\u3057\u3066\u30dd\u30ea\u30b7\u30fc\uff1a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u5834\u5408\u3067\u8003\u3048\u308b","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[14],"tags":[15,45,58],"class_list":["post-4548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit","tag-credit-card","tag-fighting-as-consumer","tag-smart-shopping"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-credit-cards.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1bm","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=4548"}],"version-history":[{"count":3,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4548\/revisions"}],"predecessor-version":[{"id":4617,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4548\/revisions\/4617"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3980"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4548"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4548"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}