1. Credit card repayment is overdue. Once a credit card repayment is overdue, it will be uploaded to the individual's credit record by the bank to which it belongs, affecting the cardholder's future loans.

2. Excessive overdraft. When cardholders swipe their cards, they should comprehensively consider their personal repayment ability, try to control it to less than half of their income, consume rationally and moderately, and avoid late repayment.

3. Swipe the card repeatedly. Some cardholders will swipe their cards repeatedly and frequently on the POS machine. Such behavior will attract the attention of the bank and affect the cardholder's future loan limit.

4. Use cards to support cards. Some cardholders will use other credit cards to cash out to repay the money, and there is a behavior of using the card to support the card. This situation will lead to overdue repayment in the long run. In addition to paying higher overdue interest and late payment fees, it will also be uploaded to the personal in the credit record.