Penggunaan kad kredit mungkin akan mendatangkan kesan negatif terhadap ekonomi negara. Contohnya untuk mengisi minyak kerana tandatangan pemilik tidak diperlukan untuk isi minyak menggunakan kad kredit.
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Aapabila sesebuah kad kredit hilang ia boleh digunakan oleh individu yang menjumpainya dengan mudah.
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