The credit card usage ratio of 300,000 cannot exceed 80. Generally speaking, it is not recommended for cardholders to overuse their credit cards every month. It is best to control it within 80. Excessive use of credit cards means over-reliance on credit cards, and the bank will think that the cardholder has financial problems. No more than 80% of the credit limit. For example, if the credit limit is 100,000, the usage limit should not exceed 80,000.

Credit limit

If your credit card limit is 10,000, and you swipe 90, it will be 9,000. It is basically an empty card. The bank will definitely remind you. There is no doubt about this. , you are considered a risk customer at this time, please pay attention to using the card normally.

The credit limit refers to the maximum overdraft limit that the bank gives to the applicant when approving a credit card. Applicants can only swipe their cards for consumption within this limit. If they exceed this limit, they will not be able to swipe their cards for normal consumption or payment.