High interest and fees: Credit card overdraft interest rates are usually high. If you fail to repay on time, various fees such as late payment fees and penalty interest will also be incurred, causing a financial burden to users.

Impact on credit history: Credit card is a credit tool. If used improperly or in violation of regulations, it may cause damage to personal credit evaluation, thus affecting future borrowing and loan applications.

Consumption temptation: Credit cards are easily used as a "swipe" payment method, and users may fall into the trap of excessive consumption, leading to the deterioration of personal financial conditions.

Information leakage risk: Using credit cards may involve the risk of information leakage. If personal information is stolen, it may lead to economic losses and credit risks.

Despite these disadvantages of credit cards, if used properly, they also have many benefits, such as convenient and fast ways to spend, accumulate discounts, and establish a healthy credit record. The key is that users need to fully understand the characteristics and usage rules of credit cards to ensure that their consumption behavior and repayment ability are within a reasonable range.