This research first divides of the credit card cardholder three types --?Revolvers user?, ?Convenience user? and ?Inactive user? , and using the cross-over analysis discussion credit manner type in society difference of after the background consumer behavior, connects in parallel fashion is applying the double factor variance analysis to discuss various credits manner colony and the consumption type difference in consciousness value, the relational quality and the relational result; Break a contract using the regression analysis discussion influence credit card cardholder the possible correlation factor finally; And discusses the different credit manner type cardholder's in violation probability difference. The research findings showed: (1) ?Revolvers user? the use circulation credit proportion and on time the repayment of debt to be highest, and interacts frequently with the credit card company, but is actually the violation high risk colony. (2) credit manner colony and the consumption type presents the remarkable overlapping effect in consciousness value. (3) three kind of credit manner colony in ?Optional buyer? consciousness value is higher than ?Plan buyer?. (4) credit card cardholder society after the background, the expense special characteristic and the credit manner all has the difference with the violation factor . (5) ?Revolvers user? the cardholder to be higher than ?Convenience user? and ?Inactive user?in the credit card violation risk.