Avoid repeated swiping. The so-called repeated swiping refers to swiping cards on the same POS machine too many times, especially during non-business hours. Avoid multiple minimum repayments. If the cardholder only pays the minimum repayment amount of the credit card bill for consecutive or multiple months, it will make the bank doubt the cardholder's repayment ability.

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Cash-out is an economic term, which refers to taking advantage of the subtle differences between the prices of the same product or almost equivalent products in different markets. In the merchant risk management rules of UnionPay card acquirer of China UnionPay, the definition of cashing behavior is: the merchant colludes with bad cardholders or other third parties, or the merchant takes cash by fictitious transaction.

Illegal cashing generally refers to the exchange of cash benefits by illegal or false means. According to the Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management, cashing refers to the direct payment of cash to credit card holders through fictitious transactions, false pricing and cash return. Using point-of-sale terminal equipment (POS machines) in violation of state regulations.

Empty card cashing is to withdraw cash from your credit card when your credit line runs out, and the amount withdrawn can be several times that of your credit line. This kind of cashing is relatively difficult to complete. Only a few banks can cash out their credit cards empty, and the formalities cost is relatively high, with the highest 25% and the lowest about 15%.

Some banks' credit cards have installment payment limits, and consumption can be paid in installments. Installment payment uses the installment amount of the credit card, and the available amount in the credit card will not decrease, so credit card holders can use the credit cards of these banks for "secondary consumption": first pay by installment, use up the installment amount, and then directly swipe the card to consume the available amount in the credit card limit at one time, so that they can consume the installment amount+the available amount in the credit card limit.

No matter which way you cash your credit card, it is strictly forbidden by the bank. Once discovered by the bank, it may lead to the freezing of your credit card and even affect your personal credit record, so you must think carefully before implementing cash withdrawal. On July 26th, 2010, the Shanghai headquarters of the central bank said that it is illegal to cash out credit cards, and the central bank is studying to record the cash-out behavior of cardholders in the personal credit information system, which will directly affect their personal credit records.