The advantage of sharing credit cards is convenience and flexibility. Users can enjoy the benefits of credit cards without applying for them themselves. At the same time, there are various shared credit cards, which users can choose to use according to their own needs. However, the shortcomings are also obvious. The security and privacy of shared credit cards are easily affected, because people who use credit cards many times are more likely to be stolen. In addition, because credit cards are financial instruments, if the credit status of users is not investigated, it will easily lead to overdraft and default, which will affect credit records.
Shared credit card has been widely concerned and discussed in recent years, and shared credit card platforms emerge one after another at home and abroad. With the continuous expansion of commodity sharing economy and the arrival of a new generation of people, the shared credit card market is expected to further expand and has long-term development prospects. However, the shared credit card platform should also think about how to strengthen its own risk control, improve users' credit evaluation, and protect users' data security and personal privacy, which is the key problem to be solved in the future shared credit card market.