1. Irrational consumption. Precisely because credit cards are very convenient and fast to use, they don’t look like banknotes that are spent one by one and make you feel distressed. Some irrational consumers tend to consume blindly, spend money like water, and regret it when they finally repay.

2. The interest rate is high. Everyone knows that every bank's credit card has a repayment date. If the user fails to pay off the current balance before the final repayment date, he or she will need to pay interest and late fees to the bank.

So you must be cautious when applying for credit cards, and don’t apply for too many credit cards just to enjoy the limit.