Long-term reverse repayment by credit card will affect credit information. Pay off last month's arrears with a credit card, and make sure to pay off last month's arrears before the due date. This will not affect the credit record because of overdue, but the credit card has a high amount of use and will be considered by the bank to be in urgent need of funds.

There are too many credit cards. The total credit limit of cardholders is basically stable. Each credit card is equivalent to using a part of the total credit limit. If there are too many cards, it will be more difficult to apply for a new card. Even if it can be done, the credit line will be lower.

Extended data:

Credit stain: In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in personal credit reports.

The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.