Excessive overdraft here refers to credit card consumption beyond the cardholder's repayment ability. Generally speaking, if there is no temporary large consumption expenditure, it is best to control the monthly credit card consumption amount below 1/2 of the monthly income. In this case, the cardholder's repayment pressure is relatively small. Some cardholders have poor self-control, love to spend money, often spend irrationally, credit overdraw, and it is difficult to repay. If you don't pay attention, it will easily lead to overdue repayment of credit cards.

Taboo 2: crazy credit card cash withdrawal

For some cardholders, it is a pursuit to apply for credit card quota increase. High-value credit cards are not only convenient to use, but also make cardholders feel proud. However, crazy pursuit of credit card withdrawal is not a good thing. Excessive credit card limits tend to encourage cardholders to spend too much. In addition, the high credit card limit affects the application for new cards and loans.

Taboo 3: frequently handle credit card cash withdrawal, installment and other charging services.

According to the minimum repayment amount, there are fees for installment repayment, credit card withdrawal and other businesses, and the fees and interest behind them are converted into the actual annual interest rate. It is not recommended to handle this kind of charging business frequently.

Taboo 4: Credit card overdue repayment

Late repayment of credit cards is a big taboo. Overdue will first generate high interest and late fees, and most importantly, it will affect personal credit records, lead to personal credit stains, and affect future mortgage applications.