1. Reduce lending: For users who borrow from multiple sources, reducing lending is the main channel and method to alleviate the high risk of credit cards. Under normal circumstances, long-term borrowing is very easy to cause overdue users, so it is very important to reduce high debts and pay off overdue debts.

2. Personal qualifications: Cardholders need to prove to the bank that they have sufficient repayment ability, such as auto products, real estate, receipts for wealth management products, life insurance policies, etc. These personal qualifications prove that applying for a credit card is an indispensable condition. The more qualifications provided, the higher the amount that can be obtained.

3. Standardizing the use of cards: Standardizing the use of cards and timely repayment is one of the ways that cardholders can't ignore, that is, spending during business hours, mostly swiping cards at points merchants, and the consumption scenarios are diversified. It's best to pay in full, with the minimum repayment amount, and pay in installments. In addition to timely repayment, you can also repay in advance occasionally.