Does the credit card application have to be maxed out? 9% people misunderstand that credit cards are maxed out. Generally speaking, it refers to the behavior that the credit card is often maxed out by 8% or more, leaving only a small amount. This is the consistent practice of many cardholders in order to apply for withdrawal. They think that the credit card bank can know the cardholder's demand for the amount, and it will be easier to withdraw the amount. So, does the credit card application have to be maxed out? Let's analyze it. In fact, the credit card application does not have to be maxed out. Of course, the bank will consider the utilization rate of the credit line when withdrawing the credit card, but the most important thing is to look at the cardholder's card use behavior and credit conditions. < /p > The credit card can make full use of the credit line. If it is a standard credit card, it is no problem, and it is really beneficial to raise the credit line, provided that it is repaid on time. People with high spending power and strong repayment ability are usually the types favored by banks. < /p > However, it doesn't rule out that some cardholders use their cards illegally and get cash through improper channels. For example, there are often cardholders who swipe their cards outside the business hours of merchants, such as those who get up in the middle of the night to brush jewelry stores and people's stores are not open, which is a bit of a cover-up; There is also a large amount of credit cards that are often swiped in the same type and the same merchant, which are easily targeted by bank risk control. < /p > Bank risk control is not a vegetarian. It will judge the cardholder's card use behavior through hundreds or thousands of matching methods. Once it is determined that the cardholder is not spending normally, it will take punishment measures, ranging from reducing the amount to sealing the card. In addition, it may limit the merchants, so that everyone can't swipe the card at will. < /p > In short, credit card swiping can be done once or twice occasionally, but everything should be done in moderation, otherwise it will not help to raise the amount.