1. Credit cards have repayment deadlines, and late fees will be charged for overdue payments.

2. Credit cards stimulate early consumption, which is equivalent to a short-term loan, and if it is not paid, it will become a "loan shark". Being overdue for a long time will affect your credit record and mortgage application.

3. Credit cards have cultivated the habit of consumers to overdraw their credit and consume in advance. Small favors, small discounts are actually traps of consumerism, leading to uncontrolled consumption.

4. No password is required to use a credit card, and the risk of fraud is higher.

5. Of course, if you are very disciplined, credit cards can also help you make money. But most people are the type who are greedy for small gains and suffer big losses, and most of them are ripped off by credit cards.

6. Banks are always happy to issue credit cards. Banks have never been philanthropists, and smoking hurts the lungs.

(Original answer, hope to adopt it)