Yes, but on the positive side, you can rest assured that there is no problem with large overdraft and the bank will not have a bad impression on you. Credit card overdraft limit has no effect on personal credit record, but it can be used as proof of personal assets. Frequent large overdrafts show that your credit is good and your repayment ability is excellent, which is the bank's recognition of your repayment ability.

Moreover, frequent large overdrafts and timely repayment will also improve your credit and increase your credit limit. Banks encourage frequent large overdrafts.

Moreover, if you use installment payment and only pay the minimum monthly payment, these repayment methods will not affect your credit history, only pay more interest, and the bank will make more profits. Banks are certainly willing to do so.

Banks encourage cardholders to spend as long as they don't pay back the money on time and cash out maliciously.

It is suggested that the landlord can test it through WeChat software such as Kayoucha to see if there is any abnormality in his card use and what aspects should be paid attention to in consumption. Usually take part in the bank's credit card preferential activities and keep the credit card limit between 50% and 80%, so that your credit card limit can be increased soon.