1. Credit card downgrade and card sealing: If you use a personal credit card to swipe your card on your POS machine, the credit card will be frozen after it is discovered by the bank, and the bad record will be included in the credit investigation, which will affect your personal credit.

2. Interest rate and cost risk: you need to bear certain interest rates and costs when you use the POS machine to swipe your card yourself. If you don't repay on time, you need to pay extra late fees and penalty interest. Therefore, when using POS machines to swipe their own cards, it is necessary to carefully understand the provisions of interest rates and fees to ensure timely repayment.