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1. ?? ?? ??? ??⭐??? ???⭐?? ??? ???? ????, ??, ??? ? ???? ??? ?????.?? ????? ??? ??? ?? ??? ??, ?? ??? ??? ?·?? ? ????? ?? ??? ?? ???? ? ??? ?? ??? ??? ???? ??. ?? ?? ?? ? ?? ??? ??? ???? ???? ????? ????.

2. ???? ? ?????? ?? ??? ??⭐??? ???⭐The sharp rise in the delinquency rate among the credit card companies is largely due to the influx of mid- to low-credit borrowers turning to card loans. As borrowing from savings banks and private lenders becomes increasingly difficult, these financially vulnerable borrowers opted for card loans instead.