This depends on the specific situation for analysis. If you can repay the balance on time after overdrawing your credit card limit, then using your credit card frequently can increase your limit. Allowing you to have more emergency funds to draw on in the future.

Credit cards were born to solve the situation where some people need emergency funds due to their own problems. I personally think that if you have a reasonable income from work, using your credit card limit will not expose you to the risk of credit card overdraft. To a certain extent, you can also increase your credit limit.

One: As long as you have sufficient income, there will be no problem in overdrafting your credit card limit.

The reason is very simple. If you have sufficient income, you can still repay your credit card balance on time even if you frequently overdraw your credit card balance. Not only will this not lower your credit limit. You can also increase your credit card balance later, so you have more emergency funds available when needed in the future.

Two: Failure to repay the debt on time after overdrafting a credit card is an illegal and criminal act.

It is undeniable that it is illegal to overdraw a credit card and fail to pay it back on time. When this happens in the short term, banks will issue SMS collections and credit default warnings. If this happens for a long time, not only will your personal credit limit be damaged, but your future activities such as buying a car or a house will be affected to a certain extent. Therefore this behavior is highly undesirable.

Three: I personally recommend using credit cards only when you need money in emergencies.

My personal suggestion for using credit cards is to only use credit cards when you have no choice but to use money. On the one hand, there will be a certain level of installment interest for using the credit card limit funds. On the other hand, once you are unable to repay your credit card debt on time because you have no stable income, this will have a great impact on your personal credit report and credit limit.