Credit card violation also means that the cardholder will use a third-party institution to repay the credit card arrears, but will be directly swiped out after returning it to the account. This repayment method will be detected by the bank. When this repayment method is used many times, the bank will freeze the credit card and cannot continue to use it in the future.

It is best for credit card holders not to use third-party agencies for repayment. After all, third-party institutions will charge a certain fee when repaying debts in this way. In fact, when individuals can't repay on time, they can use installment repayment or minimum repayment amount to avoid overdue.

When using credit card to repay by installments, you can choose the number of installments according to your income, which can ensure that you can return it on time after installment. Moreover, individuals can repay in advance when they have spare money, which can save the expenses of handling fees, but the fees already collected will not be refunded.

It should be noted that credit cards will occupy the credit line when using installment repayment or minimum repayment amount, and consumption will bring certain restrictions when the credit line is occupied. When credit card repayment is difficult, you should find ways to increase your income and reduce your debt, so that you can pay it off slowly in the future.