Yes. In 24-hour convenience stores or bars, entertainment venues, snack bars and other business places that are open at night, you can use credit cards after 10 p.m., while other businesses are closed after 10 p.m.

It should be noted that swiping cards to make purchases in these stores after 10 p.m. can easily be detected by the system. Especially if you swipe cards to make large purchases at night, the bank will think that the user is suspected of cashing out. It is recommended that users swipe their cards before 10 o'clock when spending money at night, which will also help maintain their cards.

What are the consequences of having too many credit cards?

1. The total credit limit is large: If a person has too many credit cards and the total credit limit is large, the lending institution will determine that the user is short of money, and the long-term lack of money will be classified as a risk user by the bank, and the lending institution will It is believed that the user does not have enough repayment ability;

2. The interest rate may be higher: Too many cards are listed as high risks by banks and financial institutions, so the interest rate may be higher when applying for a loan, or even Be rejected to prevent more losses;

3. Higher interest and annual fees: Most credit cards have annual fees, and if there are too many cards, the annual fees will increase.