リボ払い

• 読み: リボばらい
• ローマ字: ribo barai
• 漢字の分解: リボ (from English 'revolving,' shortened from リボルビング) + 払い (payment; from 払う = to pay) → revolving credit payments
• 発音: /ɾi.bo.ba.ɾa.i/

意味

Revolving credit card payments where you pay a fixed monthly amount regardless of total balance — widely regarded as a dangerous debt trap.

リボ払い is one of Japan's most warned-about financial products. Credit card companies aggressively promote it (some automatically enroll customers), but the high interest rates (15%+) and deceptively small monthly payments can trap people in years of debt. 'リボ払いの恐怖' (the horror of revolving payments) is a staple of financial literacy content. Many people don't realize they're on リボ until they notice their balance isn't decreasing despite monthly payments.

例文

1. リボ払いにしてたの気づかなくて、利息だけで10万円超えてた。
2. クレジットカード作るとき、リボ払いだけは絶対設定しないで。
3. リボ払いの怖さを知らない若者が多すぎると思う。

使い方ガイド

場面: financial planning, social media, warnings, credit cards

トーン: cautionary, alarmed

正しい言い方

• リボ払いだけは本当にやめた方がいい。 (You really should avoid revolving payments.)
• リボ払いに気づいたらすぐ一括返済に切り替えて。 (If you realize you're on revolving payments, switch to lump-sum repayment immediately.)

避ける言い方

• 「リボ払い使ってるの？バカじゃない？」は相手を追い詰める (Saying 'Are you using revolving payments? Are you stupid?' corners the person — many didn't choose it knowingly)

よくある間違い

• Thinking リボ払い is the same as installment payments (分割払い) — installment payments have a set end date, while リボ払い can extend indefinitely as new purchases are added

起源と歴史

From English 'revolving' (リボルビング, shortened to リボ) + 払い (payment). Revolving credit was introduced to Japan's credit card market in the 1990s-2000s. Financial literacy advocates have increasingly warned about its dangers.

文化的背景

時代: 1990s-2000s introduction, awareness campaigns from 2010s

世代: All credit card users, warnings targeted at young adults

社会的背景: Universal risk among credit card users

地域メモ: Used across all of Japan. Consumer protection agencies and financial literacy advocates actively warn against リボ払い. Some credit card companies have been criticized for auto-enrolling customers.