If your expenses are greater than your income, you are a liability.

For example, if the credit card limit is 50,000, 40,000 has been used, and the credit card debt ratio is 80%. For banks, if the credit card debt ratio exceeds 70%, it is already a risky customer.

It is best not to exceed 50% of the credit card limit for daily consumption. Can I return it immediately? Of course, it is possible, but it is not very meaningful for customers who are about to get a loan. The credit report is not updated in real time. The update may take about a month.