加利福尼亚州圣卡洛斯，2021年10月18日 / 3BL Media / -Oportun（NASDAQ：OPRT），一家A.I.驱动的金融服务和技术公司，为勤奋的人提供获得负责任且负担得起的贷款的机会，今188bet上不了天分享了一项新调查的结果发现，尽管许多美国人依靠信用卡是一种关键的财务工具，但对如何正确获得和管理卡的了解有限，可能会阻碍他们获得更负担得起的信用选择。

This is particularly troubling as hardworking people, forced to rely on expensive credit card products because of poor or insufficient credit histories, often pay more in interest and fees than other Americans. In fact, according to the Financial Health Network’s2021 Finhealth支出报告, financially coping and vulnerable households spent an estimated $90.5 billion on fees and interest – or 87% of the total market – for general purpose credit cards in 2020.

代表Oportun收集的OnePoll的新调查数据发现了几种行为，这些行为可能会导致这种不均匀的负担，并限制了人们建立信贷，解锁更多负担得起的信贷选择的能力，并进入金融主流：

• 那些带有信用卡的人平均取得了两次现金预付款，这很可能会降低得分；
• Nearly a quarter (24%) of those with credit cards admitted they paid less than the minimum amount due or made no payment at all, and 43% only paid the minimum amount due;
• 有信用卡的人中有39％（39％）定期使用其可用信用额度的30％以上；
• 更多的than two in five have difficulty keeping track of the credit cards that they hold (44%) and a similar amount admit that they’re so much in debt that they don’t even know where to begin to pay it off (41%).

Unfortunately, despite 54% saying they are confident in knowing how to build their credit, the survey showed that people still regularly fall victim to persistent credit myths such as:

• Any debt is bad debt (35%);
• 检查您的信用报告将降低您的信用评分（24％）；
• Paying off debt erases negative history (late payments, missed payments, etc.) (21%);
• 信用评分是贷方考虑的唯一一件事（21％）；
• Closing a credit card will increase your credit score (18%).

“对于没有信用评分或被主要局误评分的消费者来说，建立良好的信贷通常是一个昂贵的主张，” Oportun和GM的COO Matt Jenkins说，其个人贷款业务。“此外，缺乏对信用运作方式的了解常常会产生对消费者财务健康造成更大损害的情况。好消息是，一些贷方现在使用人工智能和替代数据来评估勤奋的人的真正信誉，以便他们可以将他们扩展到负担得起和负责任的信贷，从而帮助他们进入通往金融主流的道路。”

2021年8月，Oportun在成功的飞行员中启动了Oportun®Visa®信用卡，该飞行员现在占75,000多个客户。与其他可用于具有有限或传统信用记录的财务负责人的卡产品不同，Oportun卡是无抵押的，并且提供高达1,000美元的信用额度。Oportun卡基于公司的成功，在为金融主流以外的人们提供可承受的信贷，以提供按需资金和更快地建立信贷的能力。

自成立以来，Oportun已成功提供了超过430万贷款和105亿美元的信用额，主要是以少量美元贷款，其客户的利息和费用超过19亿美元，与通常不少或没有信用的人使用的其他期权相比历史。通过向主要信用局报告还款绩效，该公司还帮助了92.5万人开始建立信用记录。

OnePoll调查对2,000多人的贫困，NO或未知信贷进行了调查。有关其他数据，请直接联系Oportuncommunications@oportun.com。有关Oportun®Visa®信用卡的更多信息，请访问Oportun。com/credit-cards。

关于Oportun

Oportun(Nasdaq: OPRT) is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years of proprietary customer insights and billions of unique data points, Oportun has extended more than 4 million loans and over $10 billion in affordable credit, providing its customers with alternatives to payday and auto title loans. In recognition of its responsibly designed products which help consumers build their credit history, Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.

媒体联系
乔治·冈萨雷斯
650-769-0441
george.gonzalez@oportun.com