Although almost everyone has a credit card now, many people actually don't know what risks there are in using a credit card. I will analyze it from the three most important points:

1. The risk of blind consumption

Credit card consumption, unlike using cash, feels my heart is bleeding. A brush, no feeling, a few numbers, thousands of them just brushed out, leading to blind consumption and spending money like water. Wait until the repayment time, only to regret it.

Besides, if you put the credit card limit there, you will always feel so rich. The bank gave you tens of thousands of dollars, which seems like a pie in the sky. However, it looks like a pie, and there must be a trap in it. It depends on whether you can escape this trap.

2. Overdue risk

Some careless people always can't remember when their repayment date is. Or tied a debit card, but forgot how much you spent and didn't deposit enough money in the debit card.

all these behaviors will lead to overdue risk. Of course, if you only forget to return it occasionally, the impact may not be great. But if you owe money maliciously, then you can't borrow money for buying a house or something in the future. After all, in today's Internet society, all your information is universal.

3. Risk of swiping credit cards

Credit cards are basically swiped without passwords by default. In foreign countries, many people use them this way. Therefore, when the credit card is lost or stolen, it is easy to be stolen, causing unnecessary trouble or loss.

In China, the usage habits are different. Most people charge their credit cards with passwords. Although passwords are required, there is still a risk that their credit cards will be stolen.

So, we must protect our personal information and credit card information. Don't lend your credit card to others, and don't register some apps that you don't know at will. It will be risky.

I'm chimooo, a wealth manager. For more financial knowledge, please pay attention to my WeChat WeChat official account pipilulicaiji, and we will embark on the road of wealth freedom together.