Under normal circumstances, the use of credit cards will not have an impact on a personal credit report. However, using a credit card may affect your credit report in the following three situations:

1. Apply for a credit card but not use it: If you apply for a credit card but do not activate it or do not use it for a long time, the bank may regard it as malicious Apply for a card, and the credit report shows that the card has not been activated, which will cause difficulties in subsequent applications for new cards.

2. Overdue credit card repayments: If you repay overdue or do not repay for a long time, it will have a serious impact on your personal credit score.

3. Having too many credit cards: Each credit card will take up part of the total credit limit. If you hold too many credit cards, it will become difficult to apply for a new card, and even if you successfully apply for a card, your credit limit will be lower.

When a credit card payment is overdue, you should negotiate with the bank for repayment instead of not paying back the money. In addition, credit cards can also be used to deposit money, and the amount deposited is called overpayment. To apply for a credit card, you need to meet certain conditions, such as being over 18 years old, having a stable income and residence, etc. Normal use of credit cards generally does not have a negative impact on a person's credit score.

What is the validity period of a credit card?

If it is a new credit card, the validity period is usually 3 years. However, the validity period of the renewed credit card is usually 5 years. Once a credit card expires, it cannot be used anymore. If you want to continue using your credit card, you can contact your bank to get a new card. The new card after activation will retain the functions of the original card, and the billing date and repayment date will not change.