Analysis of test questions: Many people have the embarrassing experience of "like to brush the bill" when shopping, but "pull a long face" when facing the bank bill, and some even left a bad credit record in the bank's credit information system. It can be seen that we should adhere to the principle of measuring people and spending moderately. Pay attention to the risk of loan consumption and consume rationally. Therefore, choose item D in this question. Credit card consumption is ahead of consumption and has repayment ability, which is worth promoting. 1 errors. The second item does not meet the meaning of the question, so it is excluded.

Comments: This question is more difficult. The key to the comprehensive application of knowledge is to understand the overdraft consumption of credit cards. It is closely related to social life.