Withdrawal is indeed related to personal credit, but it is not necessarily negatively related. Whether it will reduce your personal credit depends on whether you can repay it on time after withdrawing cash. If the user can still repay on time after withdrawing cash, the credit will not be affected. However, if the arrears are not repaid, or the repayment is overdue, it will leave a record of overdue repayment in the bank, and the personal credit report will also be tainted.

In addition, multiple withdrawals from credit cards will not reduce personal credit; On the contrary, properly using credit cards for cash withdrawal transactions will help customers win the favor of banks. Because banks pay the most attention to customers' income-generating ability under the premise of controllable risks, and credit card withdrawal needs to bear certain withdrawal fees and interest, which is equivalent to generating income for banks. Therefore, proper credit card withdrawal is helpful to increase the credit card limit. However, the premise of all this needs to be based on timely repayment. Once the repayment is overdue, personal credit will inevitably be affected. In addition, it is suggested that cardholders should measure the cost of cash withdrawal by credit card at the same time, so as to strike a balance between the two.

It is also worth noting that withdrawing cash by credit card requires repayment, and high interest and handling fees are required, so it is not recommended to use it frequently unless necessary.