The use of credit cards has become a popular payment method today, but there are several disadvantages that users should be aware of, especially when it comes to personal finance and debt management. Using credit cards can lead to overspending and create a higher debt burden if not managed properly.
Credit cards allow users to spend more than what is available in their bank accounts, leading to overspending and unnecessary debt. Users should set a budget for spending and closely monitor their expenditures.
Late payments can incur high interest rates, which quickly increases the amount of debt. Users should try to pay off their balances in full by the due date to avoid additional charges.
Credit cards often have unexpected fees such as annual fees, cash advance fees, or late payment fees. Users should carefully read the terms and costs before applying for a credit card.
ความเสี่ยงจากการโจรกรรมข้อมูล (Risk of Identity Theft)
Using credit cards online or in unsecured locations can lead to personal information theft. Users should employ security measures when making payments to prevent data theft.
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The use of credit cards has become a popular payment method today, but there are several disadvantages that users should be aware of, especially when it comes to personal finance and debt management. Using credit cards can lead to overspending and create a higher debt burden if not managed properly.
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