For banks, if users use credit cards normally, banks generally do not have risk control. Only when there is a greater risk of cashing out or malicious overdraft, the bank will conduct risk control on this credit card. So, does credit card withdrawal have an impact on personal credit information?

Does credit card withdrawal affect personal credit reporting?

Whether withdrawing cash by credit card will affect personal credit information mainly depends on the specific operation of credit card holders after withdrawing cash. At present, credit card withdrawal itself will not affect personal credit information, but it also has something to do with it to some extent. If the user fails to repay in full and on time after withdrawing cash, the withdrawal record will affect personal credit information. If the user repays on time after withdrawing cash, it will not affect.

Generally speaking, because credit card withdrawal is actually an overdraft method, the withdrawn principal and the generated interest should be returned to the bank on the final repayment date, otherwise the bank will still record it as overdue in the credit information system. In other words, whether you use a credit card to spend or withdraw cash, you must ensure that you pay off your debts before the final repayment date.