1, overdue risk. After using a credit card, you need to repay it on time, but many people accidentally forget the repayment date, which leads to overdue. Once the credit card is overdue, it will face adverse consequences such as collection, penalty interest and credit investigation.

2. Excessive overdraft risk. Credit cards can overdraw consumption, which makes some people who have no self-control ability may overspend. Once the cardholder overspends, he is likely to be unable to repay.

Credit card introduction:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.