Unauthorized charges are a major red flag. If you notice transactions on your credit card statement that you didn’t make or recognize, it could indicate fraud or identity theft. Excessive credit utilization is another red flag. When you consistently use a significant amount of your available credit, it can negatively impact your credit score and suggest financial instability.  Late payments are a common red flag that can have a bunch of negative consequences. Missing payment due dates can lead to late fees, increased interest rates, and even a negative impact on your credit score.  If you see a sudden credit limit decrease, it’s also a red flag worth investigating. A big reduction in your credit limit can affect your credit utilization ratio, limit your spending, and show concerns about your creditworthiness.