Credit card explosion refers to the phenomenon that users who hold credit cards have exhausted the available credit limit, but they still use credit cards for consumption and cannot continue to use them. In this case, the user needs to bear the high interest and liquidated damages for credit card overdraft, and if it cannot be returned in time, it will also have a negative impact on personal credit records.

There are many reasons for the explosion of credit cards, the most important of which is that personal consumption desire is too strong. When users can't control their consumption desires and rely too much on credit cards for consumption, credit cards are easy to explode. In addition, other emergencies, emergencies and poor financial management in life are also one of the reasons why credit cards are off the charts.

First of all, users should plan their consumption reasonably, control their consumption desires, and don't covet those temporarily unbearable high consumption. Secondly, users need to strengthen financial management, scientifically record and analyze their income and expenditure, and adjust their consumption habits and budgets in time. Finally, users need to develop good credit card repayment habits, repay credit card bills in time, and avoid overdue and high interest and fines.