1. According to the query of Guangming. com. Com, many cardholders think that all credit cards have a grace period, and if they don't repay on the last repayment day, they will delay repayment for a few days.

2. Failing to master the correct repayment method and stop loss in time, the interest on liquidated damages is getting higher and higher.

3. When users repay each installment, they choose the minimum repayment amount or installment repayment instead of full repayment, which leads to more and more credit card repayments.