1. The credit card was not fully paid off in the early stage, only the minimum amount was paid back or it was paid back in installments. These two repayment methods can only ensure that they are not overdue, but they will generate interest charges, which will be included in the next bill arrears.

2. If the previous credit card is overdue, and the minimum repayment amount of the previous credit card is not enough, or it is not repaid within the prescribed time limit, the interest on the outstanding debt will be calculated in full from the date of consumption, and the penalty will be charged, so it is very likely that the next credit card bill will be thousands more than the actual one.

The annual fee is deducted from the credit card. The annual credit card fee is charged once a year. Those who do not meet the exemption conditions will be deducted directly from the quota. For example, many high-end credit cards are not exempt from annual fees. The deducted annual fee will be included in the next bill, which will also lead to thousands more credit card bills than the actual ones.