1. economic depression: in the period of economic instability, people manage their financial situation more carefully and reduce the use of credit cards to avoid debt accumulation.

2. Diversification of payment methods: With the popularity of mobile payment and electronic payment, people can use other more convenient payment methods, such as Alipay and WeChat payment, which reduces the demand for credit cards.

3. High interest rates and fees: Credit cards usually charge high interest rates and various fees, which makes some people reluctant to use credit cards to avoid extra burdens.

4. Security: Credit cards are at risk of being stolen and information leaked. Some people worry about their personal information and financial security and choose not to use credit cards.

To sum up, the above factors have led to a decrease in the number of credit card users.