1, easy to steal. Credit cards are basically confidential consumption by default, so they are easily stolen by others after being lost or stolen, causing troubles and losses to themselves. To prevent this from happening, you can apply for a credit card with a password.

2. Annual fee expenditure. Credit cards need to pay an annual fee, but most banks can enjoy an annual fee exemption as long as they meet certain conditions, such as at least three times a year and reach a certain amount. This is because different banks have different credit cards, so you need to pay attention to the condition that your credit card is free of annual fee.

3. It may affect credit reporting. This possibility only exists for cardholders who owe money for a certain number of days and fail to pay off the overdraft in time, which will affect their personal credit records and even be blacklisted by banks and become "black households", greatly increasing their loan to banks.

4. Blind over-consumption. Different from paying cash, swiping a card easily makes users forget "we are spending money" when paying, leading to blind consumption; Secondly, many installment products may be paid by credit card, which makes users feel that this product is not expensive and doesn't cost much, but when they repay, they find that they have inadvertently overdrawn so much money.