The reasons for the failure of the final audit can be divided into five categories: incomplete information, too many credit cards from other banks, high-risk occupations, bad credit records and debt stage.

There are several points worth reminding when using credit cards:

(1) Many banks have preferential activities to attract new users, but they may not be suitable for their future needs.

(2) In order to prevent yourself from being unable to repay your credit card, you need to choose a credit card that suits you according to your spending power and preferences.

(3) Sign the back of the credit card immediately after receiving the new card, and cut the old credit card into pieces to prevent criminals from using it falsely.

(4) Be sure to take good care of your credit card, and report the loss immediately if you find it lost.

(5) Whether it is a credit card or a charge card, you must keep a good credit record to avoid unnecessary troubles for yourself in the future.

(6) Using revolving credit can help you manage your finances, but it should be noted that revolving credit is a kind of credit loan, so you don't have to pay off all the consumption amount at one time within the payment period, as long as you pay a part of the amount before each payment period, but revolving credit must pay interest separately, so on the whole, if you have the ability, it is best to pay off in full.

(7) When online fraud is rampant, beware of credit card fraud and don't fill in your credit card information on unknown websites.

(8) When you change your new address or contact telephone number, you should immediately notify the issuing bank to avoid unnecessary trouble.

(9) Those who are collected by the collection unit due to non-payment shall have the responsibility to pay off the arrears immediately, and bear legal responsibility if the circumstances are serious.