There is no risk for users to apply for a credit card. As long as it can be used normally after handling and there is no overdue behavior, there will be no problem. However, if the credit card is overdue, the bank will report the personal overdue record to the central bank's credit information system, which will tarnish the personal credit and affect the future loan approval. Credit cards are actually closely linked to the central bank's personal credit information system. Applications and users' usage will be displayed in the personal credit report of the central bank. Therefore, when users use credit cards, they must repay them on time. Of course, these two aspects also need attention:

1, avoid blind consumption. For most users, the amount in a credit card is just a number. Therefore, when shopping, we spend money like water and buy a lot of useless goods, which leads to waste. Therefore, users must avoid blind consumption when using credit cards.

2. Avoid excessive consumption. Due to the installment payment function of credit cards, many consumers often use credit cards to buy some digital products. Of course, in this process, users should avoid excessive consumption, so as not to be unable to repay.

3. When using a credit card, be careful not to overdue repayment, have good repayment habits, do not blindly handle high-grade credit cards, and protect your information from being stolen.

(1) When using a credit card, overdue repayment is the most taboo.

Failure to repay on time is the most taboo thing to use credit cards.

These credit stains have a great influence on mortgage to buy a house's car purchase. From the perspective of risk control, banks are reluctant to lend money to people with credit stains, and they will think that such users will be at risk of overdue or bad debts.

(2) Have good repayment habits.

After getting the credit card, you must control your consumption desire. Don't swipe your card willfully. If it can't be repaid by the repayment date, choose installment. In fact, staging will generate high interest, and the vicious circle will lead to more and more debts.

(3) Don't blindly apply for advanced cards.

For example, the annual fee of some ordinary platinum cards has reached several thousand, so you have to know it carefully before you can handle it, because if you forget to pay back the high annual fee, it will also cause credit stains.

(4) Protect personal information from being stolen.

Be sure to pay attention to this problem and protect your personal information.

Once you find that your credit card has been stolen, the first thing to do is to call customer service and tell the bank that it is not my consumption, so that the bank can suspend the credit card. The customer service will let you swipe your card at a nearby ATM and get a receipt.

The second is to call the police to prove where you are, and then take this evidence to the bank's credit card department and other banks for investigation.