1. Increase personal consumption. In the past, we used to pay for shopping and eating with paper money, which made us feel the hardship of making money. When we use credit cards, we only need to swipe our cards to get what we want, and we don't need to repay in the current month. This will also make many consumers blindly buy what they like, only to find that the consumption limit has exceeded their repayment ability when they check the bill, which increases their unnecessary debts.
2. Credit card cashing, in order to get cash, some people will get it through credit card cashing, which is also prohibited by our country's order and is illegal. For users who are in urgent need of cash, personal credit may be affected by cashing.
3. Credit cards are overdue. There are many reasons for overdue. They may be overdue because of insufficient repayment ability, or they may be overdue because they forget the repayment date. If credit cards are overdue, personal credit will be affected, and the possibility of handling housing loans and auto loans in the bank in the later stage will be very low.
4. The probability of stolen credit card swiping is very small, but it cannot be ruled out. Now many users have opened credit card micropayment. If the credit card is lost, others only need to swipe the card and pay without a password.
5. Using a credit card has advantages and disadvantages. The disadvantage is that it will increase personal consumption, which may affect personal credit and may be stolen. The advantages are that you can spend in advance, buy your favorite items, participate in the preferential activities of merchants launched by credit cards, repay on time can increase your credit record, and the pass rate of bank loans will increase later.
6. Just know how important your personal credit record is, as long as you have applied for a credit card or a loan. Once your credit record is stained, it will be very difficult to apply for a credit card. This is not the most troublesome thing. The worst thing is that if you want to buy a house with a credit stain in the future, the loan amount of a mortgage will be less than others' interest rate and higher than others'. If it is overdue, the bank will not lend it to you.
7. If the credit card is unpaid for more than three months, it will be regarded as malicious overdraft, and the bank can start judicial proceedings. China's criminal law stipulates that if the credit card overdraws more than 5, yuan, and the debt lasts for more than three months, and the bank refuses to repay it after more than three reminders, the judicial organ will take corresponding measures (criminal detention of less than 5, yuan).
8. If the credit card is not repaid, the bank will withdraw the revolving credit given to the cardholder, and the credit card will be suspended. For those who have been in arrears for many times or have been in arrears for a long time, the bank will think that the cardholder has a high repayment risk, and will stop using the credit card and recover the debt from the cardholder. If the bank still fails to pay back the credit card debt, the bank may apply for auctioning the cardholder's other fixed assets.
In short, whether to apply for a credit card depends on personal needs. After applying for a credit card, you must spend it reasonably and repay it on time. Don't cash it out and keep it properly.