In view of the frequent and superimposed use of consumer credit by some consumers, which is easy to cause risks such as excessive debt and damage to credit investigation, the consumer rights and Interests Protection Bureau of the CBRC issued a risk prompt on the 14th to remind consumers to stay away from the marketing trap of excessive lending and prevent the risk of excessive credit. At present, personal consumer credit services such as credit card and Microfinance are deeply bound with various consumption scenarios, which facilitates life and reduces the pressure of immediate payment to a certain extent. However, if consumers use consumer credit frequently and superimposed, it is easy to cause risks such as excessive debt and damage to credit investigation. It is reported that in recent years, there have been frequent consumer complaints about excessive credit granting, high installment handling charges or liquidated damages of credit cards, violent collection, etc. In addition, some businesses induce consumers to prepay fees by means of loans or overdrafts, and then they can not continue to operate for various reasons, resulting in consumers not only unable to enjoy the services they have purchased, but also facing repayment pressure and rights protection difficulties. It is understood that these inducements include, first, inducing consumers to handle loans, credit card installment and other businesses, infringing on consumers' right to know and independent choice. For example, microfinance and credit card installment services are packaged in terms of "discount"; Or the price publicity is not transparent, and the annualized interest rate of loan or installment service is not indicated. The second is to induce consumers to consume ahead of time, resulting in risks such as excessive credit and debt exceeding personal affordability. The third is to induce consumers to use consumer loans in non consumer areas, such as buying houses, speculation in stocks, financial management, repayment of other loans, which disrupted the normal order of the financial market. Fourth, excessive collection of personal information infringes on consumers' right to personal information security. In response to the above problems, the consumer rights and Interests Protection Bureau of the CBRC reminded consumers to adhere to the consumption concept of living within their means, make rational use of credit cards, microfinance and other services, give reasonable play to the consumption support role of consumer credit products and develop good consumption repayment habits on the basis of not exceeding the affordability of individuals and families; We should obtain credit services from formal financial institutions and formal channels, do not use consumer credit in non consumer fields, be vigilant against means such as lowering the loan threshold and concealing the actual interest and fee standards in loan marketing publicity, do not trust the false publicity of illegal online lending, and stay away from predatory loans such as non-performing campus loans and routine loans. At the same time, we should improve the awareness of protecting the security of personal information, carefully read the terms of the contract, do not sign and authorize at will, pay attention to keeping important personal certificates, account passwords, verification codes, face recognition and other information, and choose legal ways to protect our rights in time once we find violations of our own legitimate rights and interests. (Xinhua News Agency)