Credit cards have become popular among the public, which can greatly meet the consumption needs of cardholders. Many people think that credit cards can be swiped casually as long as they are repaid on time. This idea is really naive. You know, although many people have paid back on time, they are still blocked or reduced because of some bad credit card behaviors. Let's take a look.

can I swipe my credit card as long as I repay it on time?

There are two taboos in the use of credit cards: 1. Failure to repay on time; 2. Bad card use behavior. Among them, the overdue repayment is overdue, and if it is serious, it will be restricted from using the card. However, banks will not let some bad card use behaviors go unchecked because cardholders have been repaying on time.

In order to make the credit card last for a long time, cardholders should avoid the following bad card use behaviors in addition to timely repayment:

1. Check the balance on the credit card swiping machine: Many credit card swiping machines can provide the function of checking the credit card balance, but they don't approve of checking the balance through the credit card swiping machine before swiping the card. This behavior is very suspicious and will trigger bank risk control in a high probability. To check the balance, you should check it in the official channel of the bank, such as the bank's WeChat WeChat official account, which is convenient and quick, and it takes only a few seconds.

2. One-time credit card swiping: Never empty a credit card at one time, even if there is a limit, try not to do so. In particular, large credit cards should be avoided as much as possible. Once or twice, banks may turn a blind eye, but if they appear more than three times a month, banks will not be indifferent, either reducing the amount or sealing the card.

3. Card swiping during non-business hours: It is impossible for any merchant to provide services 24 hours a day. Most merchants are open from 8 am to 9 pm. If the card swiping time is not within this range, you should be careful to be controlled by the bank. It is possible for the bank to suspect that the cardholder is illegally cashing out.