nowadays, the use of credit cards has become a common way of consumption. with the increasing use of credit cards, the cash flow difficulties and debt difficulties caused by it are also rising gradually.

As a kind of pre-paid credit loan based on personal credit, although it can satisfy the advanced material enjoyment to a certain extent, we must also be highly vigilant in the use process, especially for the repayment methods, we need to be highly vigilant about these three repayment methods. If we are not careful, it will easily become "negative assets", and it will be a big loss.

1. Frequent use of "minimum repayment" and "installment repayment"

You may be familiar with these two repayment methods. Although they are both allowed by banks, on the surface, they seem to ease the pressure of short-term repayment, which will not affect the life of cardholders at this stage, but in fact there are many disadvantages hidden behind them. It's understandable that the temporary capital turnover can't be opened, or it's in a temporary predicament. Both of these methods can be used effectively, but the key problem is that cardholders can't use these two repayment methods frequently and for a long time, because it's easy for banks to think that they have financial difficulties and cardholders' repayment ability is insufficient, which will easily lead to bank risk control and then take a series of card reduction and sealing activities.

2. "Raising cards with cards" leads to debt accumulation

In fact, banks have explicitly prohibited the repayment method of "raising cards with cards". It seems that by staggering different repayment dates, the credit card debt is "robbing Peter to pay Paul", but in fact it is a blind accumulation of its own debt. Do not improve repayment ability, just blindly overdraw your credit line and blindly consume your energy.