Paying only the minimum repayment amount is definitely different from paying off in full ~ but it does not affect the credibility. The bank's blacklist is for accounts with credit card arrears. And even if it does, it will be more troublesome for you to apply for a credit card from the same bank. There should be no problem with credit cards in other banks, but the criteria for approving credit cards in different banks are different. You can refer to the credit of your other banks to evaluate them, but it is not absolute.

Pay attention to skills when cashing out. If you have a fixed time period and a fixed amount, there is a problem.

You'd better know something, for example, if you want to order 10 thousand, you can brush 9998.88. For example, we should also pay attention to the time period.

Precautions for credit card use

1. Repay with someone else's account.

There are many ways to repay by credit card, such as Alipay and WeChat, but it is best to repay with your own account. Some people do this not for convenience, but already for their own interests. Some people like to find someone to repay, and some intermediaries also use their own WeChat and Alipay to help you repay. It will be better occasionally, but it won't work in the long run. Banks can detect it, and the best way is to use their own.

2. Long-term empty card status

In order to reduce the risk, many people make small repayments and swipe their cards out. For example, your credit card has a limit of 20,000 yuan, and you only need to pay back 2,000 yuan each time. After swiping out, it is necessary to operate repeatedly, so that the credit card will always have the problem of empty cards, which is a very bad phenomenon.

3. The interval between swiping cards is short.

The intermediary has a large number of credit cards. In order to save time, he will repeatedly swipe several credit cards on the POS machine at short intervals. According to the general process, you need to queue up for checkout. After the previous person swipes the card, he needs to sign the invoice. After the completion, the next person can operate it, which takes a long time interval, so the credit card period will attract the attention of the bank.

4. frequent card swiping.

Short and frequent card swiping intervals will lead to bank risk control. Many intermediaries don't have their own money, and a lot of money takes a long time to turn around, so a credit card will be swiped repeatedly within one day. Some people will say that it is easy to raise the amount by swiping more credit cards, but such frequent swiping behavior is definitely not recommended.