The credit card gives you an approval limit of 8,000 yuan, so you can spend 8,000 yuan at most and 0 yuan at least. If the credit card is overdrawn, it needs to be repaid. If there is no overdraft, there is no need to repay. You don't need to spend it every month. However, if the credit card is not used for a long time, an annual fee may be incurred. Ordinary cards and gold cards need to be fully swiped three times a year, and standard platinum cards need to be fully swiped 10 times a year. This consumption is unlimited, just meet the number of times.