First, the risk of card loss. After the lost credit card is obtained by criminals, criminals steal or withdraw cash, causing economic losses to cardholders.

Second, the card is risky. Criminals install magnetic stripe reading tools on ATM equipment, make forged cards and steal them, thus obtaining magnetic stripe information.

Third, the risk of identity information disclosure. Criminals use other people's identification and credit materials to apply for a credit card, and after applying for a credit card, they swipe their cards in the name of others to spend or withdraw cash.

4. Default risk. The cardholder may incur penalty interest, late payment fee or over-limit fee due to forgetting to repay the loan, and may even have a bad credit record.