1. The operation method is possible, but not recommended; you have swiped 5,000 yuan last month, and the credit card is due to be repaid this month. You have no money to repay, and you want to swipe the card again from the credit card ( You can only spend money by swiping the card and cannot exchange debt, unless you swipe the card to cash out) or withdraw cash? Then repay the last credit card balance.

2. If this is the case, the debt from the previous period can be settled. However, after a credit card cash withdrawal (cash out), the interest is calculated at 50,000 per day. Many banks also have handling fees for credit card cash withdrawals (there are also handling fees for cash out). You will definitely not have the funds to return it immediately. Over time, the principal + The interest + handling fee is much higher than the amount owed in the previous period. Your debt will be heavier in the future, and it will snowball like a snowball, and you will be unable to pay off your bank debt.

3. Suppose you should repay 5,000 yuan in debt in the last period, and the repayment date has arrived, but you have no money to pay it back; this month you want to use a credit card to withdraw (cash out) 5,000 yuan (within the available limit of the credit card) (within) to repay the 5,000 yuan owed to the bank in the previous period. In this way, the 5,000 yuan arrears from the previous period have been settled, but you have a new debt, not only the 5,000 yuan principal, but also the interest of 50,000 yuan per day and the 1% handling fee. If this continues, it will make things worse and the gain will not be worth the loss. .

4. Suggestion: If the repayment date expires and you do not have sufficient funds to repay in one go, you can apply for installment repayment according to the minimum amount of repayment, that is, 5000*10% per installment ( 500 yuan) to repay bank debt in installments.