Reasonable and standardized use of credit cards is good for withdrawal and personal credit, but some sensitive behaviors of credit cards will attract the attention of banks, which is not good for personal credit and credit card withdrawal. What behaviors are sensitive? How should we avoid them?

1; There are online loan records in the credit report, indicating that cardholders often use online loans. At present, the impact of online lending is only credit card approval and cash withdrawal, and now some banks have upgraded to relief. Because banks will think that cardholders who use online loans have little cash situation, the repayment ability of credit cards will also be affected. Banks will take measures to avoid risks. Therefore, because there are too many online loans in the credit report, even if the personal credit record is good, it may still be controlled by the bank's risk.

2; Excessive staging, although staging is the bank's economic source, cardholders can increase the credit card limit through appropriate staging and let the bank make money. Banks can make money by multiple orders in successive installments, but banks pay more attention to avoiding risks and the safety of credit card funds. If the cardholder continues to operate by stages, the bank will doubt the repayment ability and the financial status of the credit card, which is easy to be controlled by the wind.

3; Long-term empty card, minimum repayment amount or frequent cash withdrawal. These situations are all manifestations of poor capital conditions for banks, doubts about the repayment ability of cardholders, and multiple billing cycles. Even if there is no violation, it will still be reduced by the bank.

Therefore, cardholders must use their cards correctly and reasonably.