Tam sim no ces tej lagluam Afterpay li Buy Now Pay Later thiab Zip Pay raug teev tias zoo tib yam li lwm cov lagluam credit li credit cards los yog mortgages uas qev nyiaj los yuav tsev lawm.
Txhais tau tias tej lagluam uas xav ua cov lagluam no yuav tsum muaj ntaub ntawv raug cai ua tau cov lagluam no ntawm nom tswv tej koom haum tswj tej lagluam nyiaj txiaj, yuav tau txheeb tej neeg siv cov financial products no tias seb muaj keeb kwm siv nyiaj li cas thiab seb lawv puas muaj peev xwm yuav them taus tej nuj nqes no rov qab. Ua ke no los lawv yuav tsum muaj cov kev pab hardship program coj los pab tej neeg tsis tshua muaj peev xwm them taus tej nuj nqes no, thiab tej neeg no los yeej muaj peev xwm mus yws tej teeb meem no nrog lub koom haum Financial Ombudsman los yog Australian Financial Complaints Authority tau. Tsis tas li ntawd los tej zaum kuj yuav coj tej credits yus qev ntawm cov lagluam Afterpay no teev nrog rau yus cov credit report thiab uas tej zaum kuj yuav ua rau yus muaj teeb meem qev tsis tau nyiaj yuav tsev los yog yuav tsheb thiab yog tias yus tsis muaj peev xwm them tau tej nqe no rov qab, raws li Dr Domenique Meyrick uas yog tus coj lub koom haum Financial Counselling Australia hais.
Thiab Drew MacRae us yog ib tug neeg ntawm lub koom haum Financial Rights Legal Centre hasi tias ''yeej tseem xav kom muaj ib co cai los teev tias pub tej neeg qhib tau pes tsawg phau afterpay account siv xwb, vim Vicki Penner ntawm Queensland lub koom haum Salvation Army cov Moneycare hais tias 'pheej ua rau tej neeg no tsi tseg tsis tau cov kev siv tej afterpay no vim ua rau lawv tiv nuj nqe ces pheej yuav tau qhib lwm phau account coj los them tej uas them tsis tau tas.'
Dr Meyrick yeej qhia tias ''vim tej neeg pheej qhib ntau phau account siv ces thiaj ua rau lawv yuav tau them nqau yam nqe ces thiaj ua rau lawv tau them tej nqe no ntau tuaj ntxiv.''
Nws hais ntxiv tias ''thaum uas tej neeg mus siv tej teeb meem no ces yeej pom tias lawv pheej yuav tau mus sab laj nrog tej financial counsellers xwb vim lawv ntsib teeb meem thiab tsim nyog pov puag tej neeg no los ntev lawm.''
Mloog tau SBS Hmong hnub zwj Teeb (Thursday) 6 pm, hnub zwj Hnub (Sunday) 11 am, koom tau ntxiv ntawm Facebook, Google podcast, Apple postcast, los yog Spotify. Download SBS Adio App thiab mloog YouTube, caum Pod follow los yog lwm cov podcasts platforms (iHeart, Amazon Music & Podcasts).
