Excuse me, why is there a credit card in the CCB app, but I have never applied for it, and I have not received the card?

In the CCB app, if there is an inexplicable request for a credit card that has not been processed before, and no credit card has been received, you should go to the relevant bank as soon as possible to investigate the information, cancel the application and call the police in time.

If you haven’t applied for a card but it shows that you have a bank card, it can generally only be caused by the following situations:

(1) The first is that your workplace applies for it in batches for employees. Salary card.

(2) The second type is the bank card issued by the school in batches for students.

(3) The third situation is that a bank card is applied for under someone’s name. The credit card cannot be applied for by anyone other than the person who is the person. The details are as follows.

If it is the third situation and it is identity theft, you should bring your ID card to the bank as soon as possible to check and cancel the card, and call the police in time to avoid financial losses.

Generally, when handling banking business, you should bring your original ID card. Merely relying on a copy is invalid, as your original ID card may have been stolen.

Nowadays, criminals are becoming more and more sophisticated. Regardless of whether they used your ID card to apply for a credit card, you should call the police immediately at this time, provide reliable and effective information to the police, and explain the situation to the bank. , the bank will freeze the card.

My personal suggestion is that in daily life, you must protect your personal information to prevent it from being misappropriated or stolen by illegal parties, especially identity information, password information, and security codes. Do not disclose to others, swipe your credit card Please check the credit card information and amount.

Extended information: Whether the credit card can be applied for by someone other than the person you are applying for:

1. When applying for a credit card at the bank, the person must provide identity information verification and signature confirmation.

2. Principles of use: Only for personal use and not for lending to others.

3. If you get a call from the bank with a large overdue amount:

(1) First confirm whether the call is from the bank’s credit card center, and then call the official customer service after hanging up. Call the hotline to inquire about the situation.

(2) If it is really the credit card that is owed with your own information, then you need to check the card application information, including the card issuance time, card issuance location, etc.

(3) If you have never applied for a credit card at the bank, you must bring the application identity information to the bank branch to explain the situation.

(4) If the amount involved is large, the police will need help and the signature and handwriting on the application form will need to be verified.

Why do credit cards appear?

The development of the economy and the need for large-scale consumption also avoid the inconvenience of carrying it around. The credit system is also a policy implemented by the country.

I suddenly have an extra credit card under my name. What’s going on?

1. Maybe you forgot, just log out if you don’t need to.

2. If your ID card is used by someone, you can check other banks. If you find a credit card, cancel it immediately and contact the public security agency.

3. If there is no loan you applied for unintentionally, just cancel it. If there is a loan, contact the bank and the public security agency immediately.

Overdue credit card

1. First of all, if the credit card is overdue, there will be a late payment fee of 5% of the minimum repayment amount, and a penalty interest on the full amount of the bill. Generally, banks calculate it at 0.05% per day, monthly. Compound interest accrues.

2. Overdue items will not be included in the central bank’s credit reporting system. Overdue records will be included in the personal credit report. Bad records will be retained for 5 years. If the overdue amount is large, the overdue amount will be more than 3 consecutive times. More than 1 month will seriously affect future home loan, car loan and credit card applications, and future credit life will be seriously affected.

3. If a credit card is not repaid overdue, the bank will call to collect it. If the credit card is not repaid more than twice, it will be handed over directly to the collection company. If the bank still insists on not repaying the credit card, the bank will freeze the credit card and blacklist the cardholder. , the bank will automatically cancel the card until the debt is paid off.

4. Banks with larger overdue amounts will directly enforce the cardholder's credit card and malicious overdraft.

If you later refuse to repay, you will bear civil or formal liability. According to Article 196 of the Criminal Law of the People's Republic of China and relevant judicial interpretations, the credit card holder will illegally possess the amount within Anything over 5,000 yuan constitutes a credit card crime and will be enforced in accordance with the criminal law

How to eliminate overdue credit card records

1. First pay off the debt and overdue fees

2 , continue to use this card

Article 16 of the "Credit Information Industry Management Regulations": The credit reporting agency's retention period for personal bad credit is 5 years from the date of termination of the bad behavior or event. If it is 5 years old, it should be deleted. The records displayed for bad credit cards only show the records for the past 24 months. After it is overdue, the best way is to continue to use this card and cover the original negative record with a new repayment record. A new credit record will be generated after 24 months. After the record is refreshed, personal credit will not be affected.

3. Don’t run away

Long-term overdue payment will not only accrue interest but also high late payment fees. If you run away, the bank will consider that you have maliciously overdrafted and call the police.

4. Repay in full and on time and explain

If you forget to repay due to negligence, you must repay in full and in time after the due date. After that, call the bank to explain that you did not overdue the payment maliciously. Usually the bank will help you eliminate the overdue record.

Why do I have a CCB card if I don’t have one?

If you think you don’t have a card but are notified that you have a bank card, there are several possibilities: 1. You applied and forgot. You can call 95533 to see if it is your information. 2. Someone else used your ID card to apply for a credit card without telling you. 3. The bank staff helps you apply for a credit card.

1. If you don’t have a bank card

If you think you don’t have a bank card but are notified that you have a bank card, there are several possibilities: 1. You applied and forgot. You can call 95533 to see if it is your information. 2. Someone else used your ID card to apply for a credit card without telling you. 3. The bank staff helps you apply for a credit card.

You can apply for cancellation to the bank with a valid identity document. If there is a balance in the credit card, it cannot be canceled. As long as you check the credit card consumption record and prove that you have alibi during the time when the consumption record was generated, you can report it to the public security organ for filing, and then apply for cancellation to the bank. Why do you have to file it with the police, because the bank cannot tell whether you have used it. At the same time, the bank does not want to lose profits for the credit card consumption under the ID card. If you do not make the request directly through a third party, it will often be delayed, and eventually high interest will be incurred. After the final coordination, unnecessary losses may be incurred. Therefore, you must report it to the public security organ as soon as possible. Only then can the public security organ have the ability to screen evidence, and the public security organ can prove that you are a victim, so that the bank has no reason to delay your cancellation application.

2. Cancel bank card

You can cancel your credit card by calling the credit card customer service number. The specific process is as follows: 1. Call the credit card center of the issuing bank to access manual customer service. 2. Tell him about the card you want to cancel. The other party will verify your information with you and ask you the reason. 3. Customer service will tell you that your request has been accepted. Please remove the magnetic stripe from the card yourself. 4. Customer service will finally notify you that if you have any consumption or late payment fees between the last bill date and today's cancellation date, you should pay attention to the next month's bill and repay it. Notes on canceling credit cards: It is completely free to cancel the card. You can keep the canceled credit card or cut it and throw it away. The bank will no longer ask you for the card. Under normal circumstances, it will take 45 days for a bank credit card cancellation application to officially take effect. When canceling a card, the magnetic strip must be cut and scratched to avoid being stolen.

Bank cards can usually be divided into debit cards and credit cards. Generally, when a debit card is not in use, you only need to withdraw the money in it. There is no need to cancel it, and it will have no personal impact if you do not cancel it. Credit cards in use can be canceled through bank counters and telephone banking. When canceling at the bank, you need to bring your personal ID card and bank card to the bank for processing. Before canceling a credit card, it is best to pay off the balance on the card and make sure there is no overpayment, the number of times the card has been swiped meets the requirements for annual fee exemption, and there is no overdue repayment record in the previous two years of the canceled credit card. , it is best not to log out if it exists.

It is best to get rid of the points in the card before canceling the credit card. After all, points are earned by swiping the card. Credit card points can be exchanged for many products in the points mall, and can also be used as cash deductions. Do not waste them in vain. If you are in the same bank There are other credit cards under which you can transfer points to other cards. Whether points can be transferred depends on different bank regulations. After the credit card is submitted for cancellation, it cannot be used. If you swipe the card for consumption, the cancellation will fail. Generally, you can call to check whether the credit card cancellation is successful 45 days after submitting the application. If not, you can inquire about the specific reasons and make corrections before continuing to cancel.

Why are credit cards harmful?

Why are credit cards harmful?

Although these 900 million credit cards seem to be less than one per person, you have to know that most of these 900 million are used by young people, so on average, each person must have 2 to 3 cards. I personally have 6 credit cards

The highest credit limit for Guangfa is 91,200

I usually use cards according to my ability and will not spend in advance, and credit card points can also be redeemed Something, it’s a good thing. So regarding the issue of credit cards harming people, my point of view is: Credit cards can be used, but they cannot be abused beyond the scope of one's repayment ability. If you use a credit card to spend in advance, you may use the money in other credit cards when you repay. It is very unwise to use one thing to pay for the other, which will lead to bigger and bigger debts, because the late payment fees for credit cards are very high

Final conclusion: Whether credit cards are harmful to people depends on It depends on the situation. For people who consume rationally, there are no disadvantages but benefits. For people with poor self-control, there are disadvantages for those who consume ahead of time and will put you into a debt crisis. If you think you are a person with poor self-control. As a person, I suggest you not to apply for a credit card first, so as to prevent it from the source.

The view that credit cards are harmful is one-sided. Credit cards, credit cards, the key is to grasp the word "credit" reasonably. The reason why many people think credit cards are harmful is precisely because they are overdrafting. Going further and further down the road of credit has caused harm to oneself, and has been burdened by "credit". Later, I came to the conclusion that credit cards harm others. In fact, this view is one-sided and only illustrates the negative consequences of not using credit cards rationally.

There is nothing right or wrong about credit cards. The root cause of whether credit cards are harmful lies in the person who uses the credit card. Credit cards exist objectively, without any thought, and will not actively harm others; that is to say, whether you use the credit card or not, it is there. Before you use the credit card, the credit card will not harm anyone. When using a credit card, due to the addition of the user's subjective thoughts, the credit card It becomes possible to harm people.

From the origin of credit cards, we know that the emergence of credit cards is also a very great invention. It can not only solve people's urgent needs, but also consume to a certain extent, allowing people to obtain a certain degree of security. From the perspective of credit cards, the root of their emergence is to facilitate people’s lives.

The reason why credit cards are considered harmful is that overdrafts are made during the use of credit cards, that is, malicious overdrafts, failure to overdraw credit cards according to one's ability, etc., resulting in the use of credit cards not being a virtuous cycle, and eventually being overdrafted. The burden of debt creates the illusion that credit cards are harmful to people. As long as you use your credit card rationally and manage your credit well, you can make your credit card serve you better.

It must be the person who uses the credit card, not the person who uses the credit card.

So the study of subject, predicate and object is very important.

First of all, the subject needs to be confirmed. Obviously, the person is the subject.

The predicate is an action, that is, use.

The object is the object, and the object here is the credit card.

It is essential that people use credit cards.

Some people use credit cards appropriately. For these people, credit cards will only help them live a better life.

Other people maliciously overdraw their credit card limits and take it for granted. Once their desire is opened, they cannot turn it off no matter what. As a result, they will apply for various credit cards, and try to take out as many loans as possible, just so that they can eat, drink and have fun. When they go out, people will feel that they are the vanity of rich people. But after all, it is vanity and fake, and the money belongs to the bank. Sooner or later, the bank will discover the reality that their credit is low.

After discovering this, we will say the opposite, credit cards are harmful.

But in fact, it is always oneself who pays back to oneself.

Uncontrolled desire is the inevitable path to darkness.

I know very well how harmful credit cards can be. A few years ago, they almost ruined my sister’s family life.

At that time, my brother-in-law had just resigned from SF Express. He had not found a suitable job for a while, so he had been helping his sister take care of the children at home. However, my sister also resigned due to childbirth. The husband and wife were idle at home and had nothing to do. However, the expenses here are huge: the newborn child needs to spend money, the mortgage must be repaid, and there are various living expenses that need to be paid. The little savings they had before are far from enough. The postpartum anxiety together with the anxiety of life made my sister feel particularly bad. At that time, they always quarreled. My sister criticized her brother-in-law for not wanting to make progress. He would stay at home and play with his mobile phone every day instead of looking for a job. My brother-in-law always remained silent and used his silence. as an answer. Later, my brother-in-law told my sister that he had found a job, saying that he was working in a real estate company, and he was earning 3,000 a month, with five insurances and one housing fund. My sister was very happy to hear this. Although he didn’t earn much, it was still an income, which somewhat eased some of the difficulties in life. Pressure, I didn’t expect it to be like this at all.

One day two years later, a bank employee came to ask for a debt. He said that his brother-in-law owed them more than 100,000 yuan with a credit card and wanted his sister to pay back the money immediately. I knew it. Later I called my brother-in-law and asked about it, and I found out that it turned out that my brother-in-law had not worked at all in the past two years, and all the money he took home was from an overdraft on his credit card... Later, my sister got the money from her mother-in-law and mother. , borrowed from friends here and there, and finally collected the hundreds of thousands in debt. Finally, my brother-in-law was not surprised, but it makes me angry just thinking about it.

If you use your credit card indiscriminately, once the money is not paid, you will have to go to the credit bureau, and the credit bureau will affect you. Credit cards allow you to spend money in advance and pay it back sooner or later.

Because this concept of advanced consumption is not suitable for everyone. Some people like to spend money in advance, such as eating, drinking and shopping

Traveling and other things, all like credit cards. It doesn't matter if you can repay the loan on time, but if you are afraid of a major disaster like the COVID-19 epidemic or the financial crisis, how will you repay the loan if you have no income? The Western Wall begins to go abnormal from here, so this is where the harm will occur

Remember: credit cards are not suitable for everyone.

Are credit cards a good thing or a pitfall? This varies from person to person, and it also depends on how you use your credit card. If you use it well, it is a convenient and good thing. If you use it poorly, it will really be a pitfall. More importantly, credit cards do have some pitfalls.

First of all, the functions of credit cards are becoming more and more perfect, and they have become an indispensable tool in people's daily lives

In the early days of the development of credit cards, the slogan we heard was: "One card is Hands, travel all over China." Later, with the development of UnionPay, the environment for using Chinese credit cards abroad became better and better, and the slogan evolved into "One card in hand, travel around the world." It can be seen that the emergence of credit cards has greatly facilitated consumers' use and consumption.

From a practical point of view, the rapid development of credit cards is also due to the advance consumption function of credit cards, that is, the overdraft function.

From the perspective of the concept of credit card, a credit card is essentially a bank card with certain overdraft, cash withdrawal and loan functions. It is issued by a commercial bank or credit card company and provides certain credit to some consumers with qualified credit. Credit certificate for the limit.

Credit card holders can overdraft within the specified limit to a special commercial service department for shopping or consumption, and then the bank will settle the bill with the merchant and cardholder.

Our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") stipulates that the so-called credit cards refer to consumer payment cards issued by commercial banks or other financial institutions. , credit loans, transfer settlement, cash deposits and withdrawals and other electronic payment cards with full or partial functions.

Because credit cards can be used for consumption within a certain credit limit, a lot of cash deposits and withdrawals have been saved in the past, and you can consume in advance and then repay, thus providing great convenience for consumption.

At present, credit cards have developed into the following major functions:

The first is the direct shopping and consumption function. This is the most basic function of a credit card and the first function that everyone comes into contact with. To pay for daily shopping, although it is now affected by Alipay and WeChat, credit card shopping still plays an important role;

Second, the accumulated large-amount shopping consumption can be paid in installments. The amount of consumption bills can be repaid in installments, and the repayment time can be postponed through installments, but it is essentially equivalent to a kind of lending behavior;

The third is the overdraft cash withdrawal function within the credit limit, whether domestic or overseas. Cash can be withdrawn within a certain credit limit to meet urgent cash needs;

The fourth is the pre-authorization function before consumption settlement. The most commonly used one is to freeze funds when settling in a hotel, and the payment can be completed at checkout after consumption. Or unfreeze;

The fifth is the exchange settlement function after overseas shopping and consumption. Overseas shopping and consumption can be repaid directly in RMB;

The sixth is the micro-credit function. Many credit cards All have this function, such as XX gold, XX gain, and some are even called "karate", which is an act performed within the credit limit of a personal credit card.

The seventh is to participate in various shopping and consumption promotion activities, some of which provide coupons when shopping, and some of which have discounts when purchasing. In short, various activities are used to attract cardholders to shop and consume;

The eighth is the points accumulation function. Many credit cards can accumulate points for shopping and consumption, and these points can be exchanged for gifts or even cashed out.

Therefore, it is no exaggeration to say that credit cards have greatly facilitated the lives of cardholders.

Secondly, from the perspective of cardholders, why do many people say that credit cards are a trap that harms people? What are the pitfalls of credit cards?

Many people say that credit cards are a trap and a trap that harms people. There are reasons for the cardholders themselves and there are also reasons for credit card traps.

Let’s look at the cardholders themselves and see what are the harmful pitfalls of credit cards?

First, because overdrafts are not about spending your own money, some people have no credit awareness of the overdraft function of credit cards, and lack of rational consumption leads to excessive overdrafts that exceed their own spending capacity

Although everyone knows Credit card overdrafts for shopping and consumption require repayment, but there are still some people who only care about what they buy when shopping, and even buy some expensive and unnecessary things, thus losing their consumption rationality and waiting for repayment. Only then did I regret it.

A friend went to Hong Kong for the first time, and shopping became a major process while eating, drinking and having fun. Since he used his own bank’s credit card with a relatively large limit, he could buy all kinds of shoes and bags in one go. After Jia Yi calculated the total amount to more than 100,000 yuan, he realized that repayment was a huge burden, and regretted his irrational shopping behavior.

This kind of excessive shopping and consumption behavior caused by not spending your own money is indeed caused by credit cards, but the fundamental reason is that credit card holders lack rationality about credit and cannot take the blame for themselves. Dump the credit card. In fashionable terms: The credit card shouldn’t be responsible for this.

Secondly, since the credit card overdraft limit is controlled by each bank, people who hold multiple credit cards can easily have excessive credit limits. Excessive overdraft of credit cards makes it difficult for cardholders to afford it, and they are called "card slaves" This refers to this category

A friend said that his credit card debt of 12,000 has been overdue for more than a year. He has not paid it back because he has no ability. What should he do now?

There are more and more such problems now, which shows that this problem is becoming more and more serious, and it has even affected the normal life of some people.

Since each credit card issuer does not conduct a total credit limit on the credit card holders, the overdraft limit of the credit card in each bank is not very large. However, if there are many credit cards, such as some people holding There are more than 10 credit cards. If one credit card has a limit of 50,000 yuan, it is more than 500,000 yuan. Some credit card overdrafts alone have reached more than 2 million yuan, resulting in the overall credit limit of the credit card being too large.

The overdraft and loan functions of credit cards are becoming more and more powerful. As of the end of 2016, the balance of credit card loans in my country accounted for 3.81% of the total loans. Excessive credit card overdraft has also become a worldwide problem.

According to news reports, data reported by Canstar, an Australian financial services company, shows that the average overdraft of credit card customers in Australia is 1,883 yuan. The overall card debt of Australians is 51.3 billion yuan, of which about two-thirds, or 314 Billions of dollars need to be paid in interest. In our country, there are often cases of people becoming card slaves due to excessive overdraft, and some even lose their families.

Third, relying on credit card to support credit card has become a way of life for some people, which has led to the point where some so-called "use credit card to support credit card" people have become overwhelmed

I don’t know when it started. Maintaining a credit card has become a way of life for some people. People often discuss on the Internet how to achieve financial freedom by maintaining a credit card, or how to live a happy life without going to work.

Some netizens asked, I already owe more than 400,000 yuan on my credit card and I no longer have the ability to pay back the money. Will I go to jail?

Many people can apply for credit cards from many banks, and you can even apply for credit cards from all banks if you want. However, due to competition among banks, there is no prohibition or total amount on applying for multiple credit cards. limit. However, due to various reasons, some people even find it too convenient to use their credit card limit, so they accumulate credit card debt on many credit cards, and then fall into the so-called "using the card to support the card."

What is "using a card to maintain a card"? As the name suggests, the cardholder uses the limit of multiple credit cards. Since the repayment time of credit cards of various banks is inconsistent, the repayment time difference can be used to use the limit of one credit card. If you use the credit limit to pay off the balance on another credit card, it will end up looking like you didn't spend the money but just used the credit to circulate.

It is precisely because of this beautiful-looking foam flower that some people are trapped in the wonderful illusion of using cards to support cards and are unable to extricate themselves.

Thirdly, among the pitfalls in the design of the credit card itself, which pitfall will really trap you? You must pay attention to the following pitfalls

Are there any pitfalls with credit cards? Of course there is. So what are the pitfalls? There are many pitfalls, but you must pay attention to the following three pitfalls:

First, the interest rates on credit cards are very high, and you may fall into a high-interest trap if you are not careful

There is no interest for timely repayment of a credit card overdraft, but if you apply for a loan from a credit card, the interest rate is relatively high.

Take a credit card loan from a commercial bank as an example. The minimum application amount for a single transaction is 2,000 yuan, and the cumulative maximum application amount is 50,000 yuan. The credit card loan repayment base is 3, 6, 10, 12, 18 and 24 periods. , the single-period handling fees are 0.95%, 0.8%, 0.75%, 0.75%, 0.75% and 0.75% respectively. Taking the 0.75% handling fee per period as an example, the one-year simple interest rate is 9%.

9% credit card loan interest rate is relatively high, some even reach 15%, and some reach more than 18%.

The maximum borrowing amount of a China Construction Bank credit card is also 50,000 yuan. The application amount is an integral multiple of 100 yuan, and the minimum is 500 yuan. You can get installment repayments of different periods of 3, 6, 12, and 24 months.

Second, don’t use credit cards to withdraw cash, because the fees are too high

Everyone knows that credit cards can be used for overdraft shopping and consumption, but banks will tell you that credit cards can be used to Withdraw cash when necessary.

So, do you know the pitfalls of withdrawing cash with a credit card?

No matter which bank you go to, credit card cash withdrawals will incur two fees. One is the handling fee for cash withdrawals, which is a one-time charge of 5000 yuan. If we take 1,000 yuan as an example, 5 yuan will be charged first. A one-time handling fee; and then an interest of 50,000 per day is charged, with the annual interest equivalent to about 18%. Is it a big interest pit?

Third, although credit card installment does not charge interest, the pitfall of handling fees is still not something you can use if you want to. As long as you use it, it will be expensive

Everyone will receive it Bank credit cards recommend installment via SMS or WeChat, and some specifically emphasize that credit card installments do not charge interest, but you must be careful because the installment rates are very high. If you want to use it, you have to bear the high cost of traps.

A certain bank's credit card cash installment charges fees on a regular basis, equivalent to an annual rate of more than 15%.

Some banks charge a one-time handling fee. For example, if a certain China Construction Bank pays a one-time handling fee of 2.4% for 3 cash installments, the annualized rate will reach 9.6%; The cash installment requires a one-time payment of 4.2% handling fee, which is equivalent to an annualized rate of 8.4%. And since you have to repay a sum of cash every month, the actual annual interest rate must be slightly higher than 8.4%, which is much higher than the normal loan interest rate.

The fourth is the trap of overdue credit cards. Once the overdraft is overdue, you will be severely punished and may even be subject to legal sanctions.

Some people spend money without scruples and fail to pay back the money. You are stretched thin, and once it is overdue, you will be completely exhausted.

Not only will you be charged a late fee, but you will also be charged a penalty interest of 0.5% per day. Basically, the various penalties are equivalent to an annualized interest rate of 24%, which is very high.

You don’t have to wait until you fall into the traps to understand the pitfalls of credit cards. As long as you are not greedy, spend rationally, and be cautious about overdrafts, you will definitely not be pitted.

Credit cards themselves do not harm people. Those who are harmed are often harmed by the people who use the cards because they do not understand credit cards. It is a double-edged sword. If you use it incorrectly, you will hurt yourself.

Being injured is often caused by the following reasons

1. Uncontrolled advanced consumption

A monthly salary of 3,000 yuan but a monthly consumption of tens of thousands, and the repayment cannot be made in time And overdue

2. Cash out

3. I don’t understand credit cards and think it’s okay if I borrow money and don’t pay it back. I have a weird person here who applied for a card with a limit of 50,000, swiped it all at once, and then threw the card away. As you can imagine, the result was that he went to jail and lost his job.

4. If you borrow money to invest and lose money, it will not be due to overdue, black accounts or bad debts

In short, you can’t blame the card, but blame the person. Human desires are the most harmful.

If you want to avoid being hurt, you must learn credit card knowledge. Start with knowledge about card application, card use, repayment, card types, number of cards, and how to maintain cards, so that you can transform yourself from a card slave to a card slave. God, protect you from falling in love with credit cards.

You accidentally cut your hand when cutting vegetables. You said it was because the knife was too sharp.

You accidentally bit your tongue and broke the skin. You said it was because Teeth problems

You must shift the responsibility for your own problems to the other party, and you will never be able to achieve anything in your life.

For more than 20 years, I prefer to use credit cards instead of mobile phones to pay. Why? Because it is convenient, because there are rebates for using it, and because using it can improve my credit score

It is easy for people to have the illusion of stress-free consumption and the urge to buy before talking. The only reason that can firmly control your desires for what you need in front of you has been weakened by the convenience of using credit cards. That's dangerous. If you continue to consume in a vicious cycle, the debt hole will become larger and larger. Only you will know the depression that will follow the ultimate freedom.

This ends the introduction on why credit cards exist and why some people have many credit cards. Have you found the information you need?