Does the questioner want to ask "What are the natural risk attributes of credit cards"? Credit risk, market risk.

1. Credit risk: Credit card is a credit-based payment instrument. The cardholder can make purchases without sufficient cash and then repay at a later stage. Therefore, credit cards are subject to credit risk, in which the cardholder fails to repay the loan on time, causing the bank to suffer losses.

2. Market risk: The credit card market is highly competitive, and banks need to continuously launch new promotions and services to attract customers. Banks' inability to effectively manage market risks will lead to a decline in credit card business profits.