When you max out your credit card every month, you have successfully attracted the attention of the bank, and of course there will be an impact, but it is certainly not a positive impact.

First of all, different banks have different views on quotas. Especially now, the competition among banks is very fierce. In order to attract consumers, some will lower the overdraft threshold. But this situation generally applies to customers with better credit. If you frequently overdraft and fail to repay every time.

For banks, it will be listed as a key target. If it stays like this for a long time, the limit will gradually decrease, and in the end, even the credit card will be stopped. Nowadays, more and more attention is paid to the consideration of credit.

Secondly, regarding everyone’s credit card usage. They are very knowledgeable about banks, and you can also log in to your account to make inquiries. If the quota is wiped out frequently, the relevant agencies will take action based on this situation. It is possible to lower your credit by thinking that you use a credit card and may perform other operations.

Many people use credit for daily consumption. They will also cash out, which is actually very dangerous. Use the cashed out money to make other investments. The risk is great if something goes wrong. Not only did I owe a lot of debt, I couldn't even pay off my credit card.

I have always used this method to get cash. It will become very difficult to overdraft in the future. If the overdraft amount is relatively large, the bank will think there is a problem with the property. The credit card limit will also be reduced accordingly.

For credit cards, there is a certain risk in maxing out your credit card every time. Normally there is no problem in using credit cards for some purchases, but now many people use credit cards to cash out. If you apply for many credit cards at once, there will be a problem with your funds. In the days to come, he will become a card slave.

Spending money on your credit card every month will have an impact on your life. Therefore, brushing should be avoided if possible. Here we also remind everyone to consume rationally. Don’t spend money lavishly just because you have a credit card. If the credit card cannot be paid, the bank can take legal action.

Extended information:

Notes on using credit cards

1. Repay using other people’s accounts

There are many ways to repay credit cards. For example, Alipay and WeChat are both available, but it is best to use your own account to repay. Some people do not do this for the sake of convenience. In fact, they are already harming their own interests. Some people like to find someone to repay on their behalf, and Some intermediaries also use their own WeChat and Alipay to help you repay. Occasionally it is better, but if you do this for a long time, it still won’t work. The bank can detect it. The best way is to use your own bank card. Repayment.

2. Long-term empty card status

In order to reduce risks, many people make small repayments and withdrawals. For example, if your credit card has a limit of 20,000 yuan, then If you repay the loan in three installments, you only need to repay 2,000 yuan each time. After you swipe it out, you will have to do it repeatedly, so that the credit card will always have an empty card problem, which is a very undesirable phenomenon.

3. The interval between card swiping is short

Intermediaries hold a large number of credit cards. In order to save time, they will swipe several credit cards repeatedly on the POS machine with a short interval. According to the general process, you need to queue up for checkout. After the previous person swipes the card, he needs to sign and issue an invoice. After completion, the next person can perform the operation. This requires a long time interval, so the time period for swiping the card is , will attract the attention of the bank.

4. Frequent credit card swiping

Short intervals and frequent credit card swiping will cause bank risk control. The money in the hands of many intermediaries is not their own, so a large amount of funds needs a long time. If the turnover is high, then a credit card will be swiped repeatedly within a day. Some people will say that if the credit card is swiped too many times, it will be easier to increase the limit, but such frequent swiping behavior is definitely not recommended.

Reference: Baidu Encyclopedia-Credit Card