Credit card activity refers to how often your credit card is used. The more frequently a credit card is used, the higher the activity. A high cardholder's credit card activity is good for the bank. If the user's credit card is inactive, it may be that it has not been used for a long time, and it may be suspended by the bank. For specific matters, please consult the staff at the card business office.

1. Impact on credit card credit

1. Liquidated damages are incurred, usually the minimum repayment amount, 5% of the unpaid amount.

2. The interest rate is high and profitable. When you have a lot of debt, the interest rates are scary.

3. Overdue credit records will be tainted, resulting in the inability to meet financial needs such as house purchases and loans in the next two years.

4. If the payment is overdue for more than 3 months and the amount exceeds 10,000 yuan, and the bank has repeatedly failed to collect the payment, you will not only have to pay back the money, but also bear criminal liability.

5. If the credit card is overdue for a certain amount and time, the bank will freeze the credit card.

6. If you are overdue three times in a row or six times in total, you will have a bad credit record, and it will be very difficult to get loans and apply for credit cards in the future.

2. Do credit cards have many benefits?

If you have multiple credit cards, they all charge annual fees, so you should be aware that having many credit cards may make you forget to repay them. Each bank has different interest-free periods and different repayment dates. If you do not turn on SMS notifications when opening a card, you may forget to repay the loan after spending. If you forget to repay your loan, high interest rates will accrue, burdening your life, and also causing a bad record on your credit information. Therefore, people with multiple credit cards must manage their credit cards properly to avoid late payments. In addition, having multiple credit cards also increases the chance of credit card theft. Because there are so many credit cards, it is inevitable that some of them will be idle. If those idle credit cards are stolen, it will be difficult for the cardholder to find them in time. Once used by criminals, it will cause great losses to cardholders.

To sum up, it is enough for a person to have one credit card. He can use it for daily consumption, but he cannot use it all the time. Otherwise, it will be difficult to use it too much and not be able to pay it back. And A person should try not to have too many credit cards, because if he cannot remember which card he has used, or how much money is left on each card, it will be very troublesome, and he will not know if he is being used by criminals.