Which type of credit card carries the most risk?

Among the types of credit card, the one that carries the most risk are: Unsecured credit cards that have variable interest rate.

Unsecured credit cards are a type of credit card that would not require applicants for collateral. This is considered as the one that would carry the most risk because of these reasons:

1. Unsecured credit card include range of fees such as balance-transfer, advance fees, late-payment and over-the-limit fees. With these fees, a member will surely have almost no control over his or her credit balance because of these fee's inconsistent rates.
2. Unsecured credit card intensifies the hunger to buy products or services beyond the monthly budget or beyond the capacity of the buyer or member. The higher the costs of the goods or services purchased, the higher the cost for the interest. With this, the member's credit will surely raise without limit.