1, credit card (debit card) overdraft: each card is overdrawn, and the full amount will not be paid when repayment is made. At this time, the more credit cards (debit cards) you have, the more debts you have, or you think you may not be able to pay back the money, so you dare not lend it to you.
2. Bad credit record of credit card (debit card): failure to repay on time, long-term delay in arrears, reduced credit, and inability to apply for car loan.