If you don't return the credit card, cash it out immediately. You can start paying the bill as soon as you pay it, and swipe your card slowly. You can swipe your card as much as you can in your daily life. No matter how much, as long as you use your card several times a month and diversify, you won't be stopped. Remember, if the credit card limit is too large, don't return it at one time and then swipe it all at one time, then the bank will designate you as a high-risk customer and stop the card in a few months.