1. Insufficient available credit line means that the credit card can be used at present, which is less than the credit line to be swiped, so it cannot be used.

2. The credit line is occupied by stages, or cash is withdrawn, or interest is generated due to insufficient repayment, and the credit line is occupied.

3. It may be frozen or suspended.

Precautions for credit card use:

First, lend it to others

Many people around have credit cards, but when friends have financial problems, they will ask these people who have credit cards to borrow them.

In fact, when credit cards are lent out, many people don't pay them back in time, and they are embarrassed to urge repayment for fear of losing friendship. But in this case, it will have a bad influence on your credit, and when you borrow money in the future, it will inevitably cause some trouble because of these overdue.

Xiao Li lent his credit card to Xiao Zhang, but Xiao Zhang failed to repay it on time for three consecutive months after spending it. Although Xiao Zhang finally paid it back, Xiao Li's credit was also tainted. As a result, Xiao Li lost the qualification of the loan when he bought a house loan.

Second, there are too many credit cards.

Some people frantically apply for multiple credit cards for more quotas. In fact, the more credit cards, the better. If the quantity is too large, it will also affect our credit information.

For ordinary people, credit cards are enough. Too many credit cards are troublesome to manage, and it is easy to forget important information such as repayment time and bill date. In this way, the probability of overdue repayment will increase, which will affect their credit information.

Third, the credit card is overdrawn.

Reasonable use of credit cards is a good thing for us, but blind consumption and constant use of credit cards in buy buy will easily lead to excessive consumption. In real life, there have been many things that the consumption limit exceeds the repayment ability and leads to overdue.

Therefore, everyone must control their consumption desires when using credit cards. Spend within your tolerance, don't overspend.

Fourth, the minimum repayment amount

Many people feel that they have the ability to pay back when they spend money, but when they see a minimum repayment amount, they only pay back the minimum repayment amount. In fact, although the minimum repayment amount will not affect our credit history, it will generate certain interest, and this interest is calculated on a daily basis.

Please feel free to surf the Internet.

In an unfamiliar environment, many people choose to surf the Internet in order to save traffic. When paying by credit card, never use an unknown network, but choose a reliable and reliable network.

6. Put the credit card and ID card together.

When carrying credit cards, many people are used to putting them in their wallets, and most of them have ID cards. Brother reminds everyone here that credit cards and ID cards should never be put in the same wallet, because if you lose your wallet, your ID card and credit card will be lost at the same time, and the consequences are self-evident.

Seven, cash out

Many people think that credit card withdrawal requires a handling fee, so they want to withdraw cash from credit cards. I would like to remind you that "cashing out" is illegal, and banks and laws have always prohibited it.

When judging that the cardholder cashes out, the credit limit will be lowered first, and some credit cards will be banned, and may even be blacklisted, which will affect the future economic life. In particular, many "black-hearted" intermediaries claim that the "minimum handling fee" is cashed out, but in fact they all take the money from the credit card and run away.

Eight, credit card as a savings card

Credit cards can save money, but they also have many disadvantages. Credit card deposits have no interest, no income, and there is a handling fee for withdrawing money. So it doesn't matter. Don't put money in the credit card.