There is no risk for users to apply for a credit card. As long as you can use it normally after processing and don't do any overdue behavior, there will be no problems. However, if a credit card is overdue, the bank will report the individual's overdue record to the central bank's credit reporting system, which will stain the individual's credit and affect future loan approvals. Credit cards are actually closely linked to the central bank’s personal credit reporting system. Both the application and the user's usage will be displayed in the central bank's personal credit report. Therefore, when using a credit card, users must repay the money on time. Of course, these two aspects also need to be paid attention to:

1. Avoid blind consumption. For most users, the limit on a credit card is just a number. Therefore, when shopping, we spend money like water and buy many useless goods, resulting in waste. Therefore, users must avoid blind consumption when using credit cards.

2. Avoid excessive consumption. Since credit cards have installment functions, many consumers often use credit cards to purchase some digital products. Of course, during this process, users must avoid excessive consumption to avoid being unable to repay.

3. When using credit cards, you need to be careful not to repay overdue payments. You must have good repayment habits. Do not blindly apply for high-level credit cards. In addition, you must protect your information to avoid being stolen.

(1) Late repayment is the most taboo thing when using a credit card

Non-due repayment is the most taboo thing when using a credit card.

These credit stains have a great impact on mortgages for house purchases and car purchases. From the perspective of risk control, banks are unwilling to lend money to people with credit stains. They will think that such users will There is a risk of overdue or bad debts.

(2) Have good repayment habits

After getting a credit card, you must control your consumption desire. Do not swipe the card willfully. If you cannot pay off the loan on the repayment date, you must choose installments. . In fact, installments will generate high interest rates, and a vicious cycle will lead to more and more debt.

(3) Don’t blindly apply for high-level cards

For example, the annual fee for some ordinary platinum cards has reached several thousand. You must understand it carefully before applying, because by then you will forget Paying high annual fees can also stain your credit.

(4) Protect personal information to avoid being stolen

This issue must be paid attention to, and personal information must be protected.

Once you find out that the card has been stolen, the first thing to do is to call the customer service number to tell the bank that it was not your purchase and ask the bank to suspend the credit card. The customer service will ask you to go to a nearby ATM to swipe the card and get the consumption receipt.

The second is to call the police to prove where you are, and then take this evidence to the bank's credit card department and wait for the bank's investigation.