Credit cards are usually not used for credit investigation after swiping, and only used for credit investigation when the bills generated by credit cards are overdue on the repayment date.

For the cardholder's single consumption record with credit card, it will only be recorded in the bank. Therefore, cardholders must develop the habit of repaying on time after using credit cards. If there is overdue repayment, there will be penalty interest, and if the overdue amount of the cardholder's credit card reaches a certain amount and the overdue time is too long, the bank can sue the cardholder and must return it after the court decides.