Credit card (debit card) will not affect the credit investigation. After the credit card (debit card) is emptied, as long as the user repays on time, the biggest impact is the slow increase of the credit line and the decrease of the credit line by the bank. For example, only the overdue repayment records of credit cards (debit cards) will have a serious impact on credit investigation. Occasionally overdue, but it will be paid off immediately, which will not have much adverse impact on credit reporting.

Users are advised not to empty their credit cards (debit cards) every month, but to brush them to about 80%.