In the case of the credit card and cash card credit, and the use of revolving loans, the consumer financial environment in Taiwan has been hit, and the country has raised a high degree of vigilance. Its influence still exists. Therefore, many people have listed the cash card as "not daring. According to the statistics of the , from the end of this year to the end of August, the balance of cash card loans was about 30 billion U.S. dollars, and most of them were old cards, which was very different from the peak of the previous 315.2 billion U.S. dollars, which was more than 90%, which is related to the concept of small lending loans. The changes are closely related.

Although the economic environment has not returned to the warmth, when the general public has the need for funds, it is recognized that the previous double-card storm cycle interest rate rise can be terrible, and the small-value debts with fixed interest rates are also changed, and the credit abnormalities are caused because they do not want to be able to repay their debts. It has an impact on life, so in terms of borrowing, more potential risks and consequences will be considered. This phenomenon shows that the "credit" awareness of Chinese people has increased. Moreover, the restrictions on cash card biology and interest rates have become higher. On the contrary, general credit is more convenient. Some banks provide customers with fast credit application services, such as the bank launching a one-day over-speed loan program for credit card customers, and the bank's 24-hour distribution service. The bank's 3-hour fast-disbursement loan, etc., almost replaced the advantage of cash cards, so
small loans became the choice of the majority