Many small partners use this method to avoid interest, overdue and other issues, and the pressure to repay the principal is relatively small. This operation can be used in an emergency, and it is not recommended to use it for a long time, because banks are also aware of the risks. Once judged, it will reduce the amount and seal the card. For example, in the case of frequent small loans and long-term repayment+lending, banks will think that the debt ratio of such customers is too high and rely too much on credit cards, and will re-evaluate users and take some countermeasures, such as reducing the quota and severely blocking cards.