No, the user's credit card spending behavior will not affect personal credit information, only the overdue and illegal use of credit cards will affect personal credit information. If the credit card is overdue, the overdue record will be recorded in the personal credit record.

The normal use of credit card for consumer settlement not only does not affect credit reporting, but also is a method to cultivate good credit reporting. Banks encourage cardholders to spend their money by swiping their cards. Those who like to repay their bills on time after swiping their cards are determined not to be overdue, not to make the minimum repayment, and not to make the installment repayment easily. If you use a normal card within the scope allowed by the bank for a long time, your good credit record will be developed.

the ways in which credit cards affect credit investigation

1. The credit card is overdue for 3 consecutive times and 6 times

This means that the credit card is overdue for 6 times. Credit card consumption is really convenient, but it is easy to spend too much or forget to pay back if you are not careful. Remind everyone to spend rationally, and try to set the repayment date of credit card after the payday to avoid the break of the capital chain.

2. Default of monthly payment caused by interest rate increase

Some bank interest rates are adjusted by floating. Once the loan interest rate is increased, you still pay the monthly payment according to the original amount, which will lead to overdue interest. If there are 2-3 overdue monthly payments, it will leave a credit stain.