It's just that everyone needs to pay attention. If the credit card is swiped late, it is likely that the bank will suspect that you are cashing in, especially if you swipe your card at night for a large amount of consumption. Merchants like people's livelihood or capping are strictly forbidden to swipe their cards in large quantities after 8 pm.
It is recommended that you spend your money by swiping your card before 1: pm, which is also conducive to raising your card. Of course, don't swipe your card too early. If you swipe your card too early, such as swiping your card in the early morning, it is also suspected of cashing out. However, if you spend money in places that are open at night such as KTV, the impact of swiping your card at night will not be too great. It's just that the rates in these places are relatively high, and businesses usually don't want you to pay by credit card.