Although credit cards will affect credit records, they are different. As we all know, overdue credit cards will form bad records.
In fact, in the eyes of many banks, credit card withdrawal is treated the same as credit card consumption and transfer. Cash withdrawal by credit card is one of the basic functions of credit card. If the cardholder uses a credit card to withdraw cash, the bank can also charge a certain fee and interest. Therefore, the withdrawal of credit card will not affect personal credit information, provided that the cardholder repays on time.
In addition, if the cardholder can't pay off all the debts, as long as the minimum repayment amount can be guaranteed and the repayment situation is recorded before the next bill is generated, the credit record will not be affected. If the minimum repayment amount is not paid before the next billing date, or the repayment fails to arrive in time, the credit record will be affected.
It should be noted that although credit card withdrawal will not reduce credit, it will generate withdrawal fee (handling fee+interest), so it is not recommended to use credit card withdrawal unless absolutely necessary. For credit card cashing, banks strictly evade it, from reducing the credit limit to freezing the card and uploading it to the central bank's credit information system.