1. If you hold too many cards, return the wrong card. Many friends have at least 5 credit cards in their hands. If they accidentally confuse the repayment time and the repayment amount of each credit card, they will repay the money to be paid on this credit card to that credit card instead of what should have been paid back. The credit card was not repaid, and in the end it was overdue.

2. Over-reliance on automatic repayment. Many friends are afraid of forgetting to repay, so they simply link their credit cards to debit cards and activate the automatic repayment function, thinking that the bank will automatically deduct the payment when it is due and the repayment will not be overdue. However, this method is not foolproof. You must ensure that there is enough money to debit the card. Otherwise, there will not be enough money to deduct from the bank, and it will also be overdue.

3. The temporary limit cannot be repaid in full. A temporary credit card limit can temporarily increase everyone's spending power, but if you use it, you must be clear about the repayment rules for this limit. At present, many banks include the entire temporary limit of the used credit card into the minimum repayment amount of the latest credit card bill. If the full repayment cannot be achieved, the payment will still be overdue due to insufficient repayment amount.

4. The excess limit cannot be paid off in full. In fact, temporary limit repayment is the same as over-limit repayment. Some banks provide over-limit services by default. You can also use transactions to max out your credit card, because if you use an over-limit limit, you must repay in full and cannot be in installments. You cannot make the minimum payment, otherwise it will be overdue.