1. Abuse of personal information: Some unscrupulous merchants will use the process of handling credit cards to collect your personal information and abuse it for other commercial purposes, such as spam and sales calls.

2. Inconsistent product value: Some businesses will promote high-value gifts in order to attract customers, but the actual gifts are inconsistent with the promotion, or there are other restrictions.

3. Follow-up harassment and promotion: Some merchants will frequently harass and promote other products or services by phone, SMS, email, etc. after you apply for a credit card.