1. Excessive overdraft, especially if the amount exceeds too much or continues to overdraw, will be monitored by the wind control system and affect the credit evaluation. Even if the previous overdraft is paid off before the bill repayment date, the excess overdraft limit will still affect the credit. Therefore, it is recommended that you use credit cards carefully, spend reasonably and avoid excessive overdraft.
2. The credit score drops. In the process of using the credit card, if the cardholder is overdue, overdue, abnormal consumption, excessive consumption, etc. , will affect the personal credit score. According to the monitoring results, banks will take risk control measures such as reducing overdraft limit or closing credit cards for customers with low credit scores.
3. Multi-card cash or cross-bank cash. This kind of behavior is easy for banks to question the cardholder's financial situation, and may be considered as illegal cash withdrawal, thus facing the risk of being restricted or frozen.
Supplementary note: There is a paragraph before the answer, reminding everyone not to take the overdue online loan lightly, which will also affect personal credit. Therefore, it is suggested to reduce the occurrence of overdue and arrears during the use of credit cards and avoid the card being restricted by the wind control system. At the same time, you can use tools such as "Zhiyi Big Data" to check your online loan history, overdue details, liabilities, untrustworthy information, and online loan blacklist to keep abreast of your personal credit status.