Pauper will use credit cards irresponsibly, what are its disadvantages?

Late Fee: Not paying the credit card bill on time can be quite heavy. Due to delay in bill payment, banks charge heavy late fees and it also affects the credit score.

Surcharge: This has to pay additional fees on booking fuel or railway, which is known as surcharge.

Additional Fee: Many cards are also charged annual fees, fees on foreign transactions, fee on cash withdrawal etc.