However, holding and using credit cards may lead to debt risk.

Credit card is a one-time credit, and the cardholder can use the credit line for consumption at any time within a certain limit. The monthly credit card bill needs to be repaid. If the cardholder fails to pay off the credit card bill before the repayment date, he will have to pay interest and late fees.

If the cardholder owes money for a long time, high interest will lead to a rapid increase in debt, resulting in liabilities. Therefore, if the cardholder can't use the credit card reasonably, often overdraw, or can't repay on time, he will face the risk of debt.

When evaluating personal loans, banks usually consider borrowers' credit card repayment records to assess their repayment ability and debt risk. Therefore, although the credit card itself is not a debt, the cardholder's behavior and repayment ability will directly affect the assessment of debt risk.