Credit cards are at risk of overdue. The cardholder needs to repay the loan according to the date stipulated by the bank. If they miss the repayment date, they will be overdue. If it is overdue, it will not only bear the penalty interest, but also leave a bad record in the personal credit report. There is a risk of stealing credit cards. At present, some criminals in the market will steal credit cards through various means. Once the credit card is processed, if the cardholder fails to properly keep his credit card information, there is a risk of being stolen. For example, the use of some repayment software will make your credit card face great risks. Credit cards are at risk of being overdrawn. The overdraft function of credit card is easy for some users with poor self-control ability to develop bad consumption habits. If the cardholder swipes the card blindly, it is easy to be unable to repay.

1. Advantages of credit card: Credit card has overdraft function, and cardholders can use credit card limit to pay when spending, which can alleviate the economic pressure when spending to some extent. Credit card is the lowest cost way in the existing financing channels. Many friends around us can realize real estate speculation by realizing credit card quota, and they only need to pay a small handling fee to turn over funds. Credit cards offer an interest-free repayment period. Cardholders can enjoy interest-free as long as they can repay within the time limit stipulated by the bank. There are many activities to spend by credit card, and you can also enjoy various benefits, and you can also get some credit card points to exchange gifts. It helps to improve your personal credit score, and good credit can facilitate you to do many things.

2. Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to qualified consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.