1. Economic benefits: Small and medium-sized cards usually refer to the arrears or unpaid items in financial products such as credit cards or debit cards. For financial institutions, recovering the arrears of several small cards is an important means to safeguard their own economic interests. By recovering the arrears, financial institutions can resume capital flow, reduce the risk of non-performing loans and protect their own economic interests.
2. Credit history: Unpaid small cards will have a negative impact on the credit history of cardholders. Credit record is an important basis for financial institutions and other institutions to evaluate personal credit risk, which has an important impact on applying for loans, credit cards, housing leasing and so on. By taking back a few small cards, cardholders can avoid damage to their credit records and maintain their credit status.