Nowadays, some people say not to apply for a credit card because credit cards are risky. Here are some main risks:

1. The first risk is overdue risk. : After using a credit card, you must repay it on time, but many people forget the repayment date, which will lead to overdue payment. As long as the credit card is overdue, it will be collected. In addition, penalty interest and taxes may also be incurred. letter and other adverse consequences.

2. The second risk is the risk of overdraft: Credit cards can be overdrawn for consumption, which may cause some people who have no self-control ability to overspend. As long as you overspend, you are likely to become powerless. Repayment status.