Because applying for a credit card may have the following disadvantages:

1. Cardholders develop bad consumption habits.

2. Some cardholders had good credit cards when they first started using them. However, because the credit card spends only the limit, the cardholder does not feel that he is paying back the money when he spends it, so that the user Expenses are getting bigger and bigger, and more and more credit cards are swiped. It is not until the repayment day comes that they realize that they have overspent. If credit card users stay in this consumption pattern for a long time, they will put greater repayment pressure on themselves. May become a card slave.

2. Credit card users usually do not pay attention to card safety, resulting in financial losses

There are often news on the Internet about credit card theft. If the cardholder does not take good care of his or her credit card, card number, security code, and password, then the card may be stolen, which will cause financial losses to the cardholder.

3. Personal credit is affected by overdue credit cards

After using a credit card for consumption, the user should repay the debt within the specified repayment period. If overdue behavior occurs accidentally, the bank will The user's overdue record will be uploaded to the central bank's credit reporting system, which will leave a stain on the cardholder's personal credit. If the personal credit rating is poor, later purchases of houses and cars may be affected.

Extended information

1. How to use credit cards correctly?

The correct usage of 1 credit card:

1. Decrease the limit appropriately. If the card issuance limit is not directly proportional to their salary income, it is recommended that the cardholder should reduce the limit. Monthly consumption should not exceed one-third of your income. The reason for the derating is that most graduates do not have the concept of rational consumption for the time being, and they have tasted the sweetness of premature overdraft consumption and easily become card slaves.

2. Set up a monthly credit card consumption budget. You can set a monthly budget for credit card spending to prevent overspending.

For office workers who have worked for less than 5 years, 3 credit cards are the best.

Office workers who have worked for less than 5 years have a stable income, a stable job, and a certain amount of savings in their hands, and are beginning to save funds for future purchases of real estate and vehicles. You can also purchase some luxury goods appropriately. At this time, it is best to hold 3 credit cards.

The correct usage of three credit cards:

1. Set up a credit card consumption budget. This section is aimed at office workers who plan to purchase real estate and vehicles in the future. Setting up a credit card consumption budget can help cardholders spend more rationally.

2. Set a repayment reminder. With 3 credit cards in hand, it is inevitable that you will forget the repayment time. It is recommended to set a repayment time for each card, and the time should be set 3 days before the final repayment date.

If you are an entrepreneur or executive with high income and high position, then please feel free to use it.