1. Pay a high annual fee: There are many credit cards (debit cards), and some credit cards (debit cards) will charge an annual fee because they have not reached the consumption times or the consumption amount.
2. Increased overdue risk: the repayment date of each credit card (debit card) is different. If there are more than five credit cards (debit cards), the repayment diary may be confused and misremembered, which may easily lead to overdue.
3. Increased repayment pressure: The more credit cards (debit cards), the more liabilities. When the monthly repayment amount of a credit card (debit card) exceeds the monthly income, the repayment pressure of the cardholder is very great.