Damage the cardholder’s credit record and increase the cardholder’s debt burden.

1. Damage to the cardholder’s credit record: Bad credit card packaging will sell the cardholder’s overdue record and other information to third-party agencies, causing the cardholder’s credit record to be damaged.

2. Increase the debt burden of cardholders: Bad credit card packaging will cause cardholders to pay higher interest and late fees, thus increasing their debt burden.