Credit card "keeping a card with a card" means that the cardholder repays the debt of another credit card with the credit limit of one credit card. It can temporarily alleviate the repayment pressure of cardholders to a certain extent, but it is easy to encourage cardholders to spend too much. Therefore, credit card "keeping cards by cards" is not worth advocating. In fact, it is very dangerous to "raise cards with cards". If one of the credit cards fails to repay on time, the other credit cards will be affected, and the cardholder will leave a "bad credit" record in the bank. There are other pitfalls in using credit cards. Consumers should pay attention to the following points: First, it is not cost-effective to overdraw cash. At present, most banks generally charge a certain handling fee for credit card overdraft withdrawal, regardless of local conditions. In addition, banks charge interest from the date of cash withdrawal. Second, prepayment is not cost-effective. Some consumers feel that it is troublesome to pay back the money every month, so they simply put a sum of money in advance and let the bank deduct it slowly. But the money deposited in the credit card is interest-free, which is equivalent to giving the bank an "interest-free loan", which runs counter to the function of the credit card. In addition, it is easy to put money into a credit card, because the bank stipulates that a withdrawal fee must be paid for withdrawing cash from a credit card, whether it is an overdraft limit or not. Third, installment payment is "interest-free and not free". In order to reduce the repayment pressure after overdraft, credit card holders can apply to the bank for interest-free installment payment. The interest-free period is generally divided into three months, six months and 12 months. However, after the cardholder's credit card installment payment is interest-free, the bank will charge a certain percentage of the handling fee for overdraft consumption.